Applying to PAGIBIG House Loan as a Freelancer and how I got approved

Below are the details of the housing where I got my freelancer-PAGIBIG loan approved.

I’m writing this article to help my fellow freelancers if they are interested for a Real Estate investment. This is a good passive income or rental income or retirement strategy for us. This is also to help future freelancers to have a glimpse of their future financial situation.

When I applied in PAGIBIG, I was still in a mission work that time. We have no PAG-IBIG, I was only working freelance for part-time basis. I was balancing my time as a campus bible missionary and also a youth worker.

I was in freelancing for 2 years that time, and I wondered if I can get my own PAGIBIG housing loan. It was one of my goals to have passive income in the future, a real estate investment and also to help my parents since they are still renting and are in the risk having no permanent residence when they grow old.

For FB Model Houses

I searched the internet but have not found fully-satisfactory answers. I also looked deeply at their website for specific solutions. I was working in Aklan back then. I inquired in PAGIBIG Kalibo, Aklan. They said I need to go to PAGIBIG Bacolod because my location was here. Bacolod city is also my home town.

So I applied for a leave and traveled back to Bacolod wishing that my PAGIBIG application and loan would be approved. I had a significant flow of income from freelancing that time. So I tried to bring my Bank Statement as well as my Certificate of Earnings.

My bank is BPI. To get the certificate of earnings, just login to using your registered account. Just go to view Account transactions > View statement of account > Select the time period.

Freelancing PAGIBIG BPI Bank statement

BPI2When I arrived to the PAGIBIG Bacolod office, they accepted the Upwork Certificate of Earnings. They accepted it as a good proof of earnings. But the PAGIBIG personnel said that they only allow loans for this for a maximum of P450,000. I was relieved since the house and lot investment I took costs P400,000 that time. Here is the complete story for that.

To get your Upwork Certificate of Earnings, go to Reports > More Reports > Certificate of Earnings (Bottom-most part). Upwork will then generate you a certificate for the last 12 months. Please remember that the figures there must have good figures to help PAGIBIG determine if you’re eligible.

These are the screenshots of how to get the C.O.E. from Upwork.

PAGIBIG HOusing Loan using Upwork Freelance

PAGIBIG HOusing Loan using Upwork Freelance

PAGIBIG HOusing Loan using Upwork Freelance


After presenting the COE to PAGIBIG, I then went to the Housing Company where I got my loan. They looked at it and said that they also approved the same freelancer few months ago who used this as his proof for Loan eligibility.

Update as of April 2016 – because there is a program of discount in PAGIBIG for those who earn 12,000 and below, I asked for a Certificate of Employement from my client in Canada and he sent it via PDF with his electronic signature. I was not sure if PAGIBIG will accept the concept of “Freelancing”and “Electronic Signature” yet, but I just took the risk, and they accepted it.

If you’re interested for a realty investment, feel free to contact me. You may buy a lot and sell for more in the future. This is a subdivision and lot and for sure the price per square will rise.

House and Lot for sale bacolod city

Yes, Freelancers from Upwork can now apply for PAGIBIG Housing Loan in the Philippines. In my case, I was. But it has a limit of 450,000 PHP (as what I have been told).

I guess this is a good start and a good help for thriving Filipinos. This can help them in our dream to become a better country, to be a nation used by God to be a blessing to the world. This will also help our country so that professionals will not leave, and just stay here to serve our countrymen in tangible ways, to ease the braindrain and build clusters of investment for inclusive growth.