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How to Claim Your Land Title from Pag-IBIG After Full Payment

How to Claim Your Land Title from Pag-IBIG Fund: A Step-by-Step Guide

January 20, 2024

Congratulations, Homeowner!

After years of consistent payments, you've finally completed your Pag-IBIG housing loan—and now it's time to claim what’s rightfully yours: the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT).

Pag-IBIG ensures a streamlined process for title release once your loan is fully settled.

📌 Who Can Claim the Title?

  • The primary borrower or homeowner

  • A duly authorized representative (must present a Special Power of Attorney)

  • In case of death, the legal heir(s) with proper documentation

📄 Required Documents for Title Release

  1. Valid Government-Issued ID (with photo and signature)

  2. Loan Settlement Certificate or Full Payment Receipt

  3. Deed of Release of Real Estate Mortgage (REM)

  4. Borrower's Authorization Form (if applicable)

  5. Special Power of Attorney (SPA) (if representative is claiming)

  6. Tax Declaration and Updated Real Property Tax Receipts

  7. Others: Death certificate and proof of legal heirs (if borrower is deceased)

🧭 Steps to Claim Your Title

  1. Confirm full loan settlement via Pag-IBIG Member Services or Virtual Pag-IBIG.

  2. Secure the Certificate of Full Payment and Deed of Release of Mortgage.

  3. Coordinate with the Pag-IBIG branch where your loan was processed.

  4. Wait for notification from Pag-IBIG that your title is ready for release.

  5. Claim your title at the designated branch or satellite office.

⏳ How Long Does It Take?

On average, Pag-IBIG processes title releases within 30–60 working days after the loan is fully paid, assuming no legal or documentation issues.

Delays may occur if:

  • Real property taxes are not updated

  • There are pending obligations with the LGU or developer

  • The borrower passed away without legal succession processed

🛠 Tips to Make the Process Smoother

  • Keep your contact information updated with Pag-IBIG.

  • Pay property taxes annually to avoid delays in mortgage cancellation.

  • Store all receipts and documents from your loan in one place.

  • If abroad, assign a trusted representative and prepare an SPA early.

🏡 What Happens After?

Once you claim your title:

  • You now hold the legal ownership of your home or lot.

  • You may update the property tax records to reflect your full ownership.

  • You can now use the property as collateral or resell it freely.

🙌 Final Thoughts

Releasing your property title from Pag-IBIG is the final, proud step in your homeownership journey. At Pag-IBIG Property Finder, we celebrate your success—and we’re here to guide you whether you're buying, refinancing, or starting the process again.

Looking for your next investment? Browse verified Pag-IBIG-acquired properties now!