To apply for a Pag-IBIG Salary Loan (also known as the Multi-Purpose Loan or MPL), you must first be an active member of the <span class="hover:entity-accent entity-underline inline cursor-pointer align-baseline">Pag-IBIG Fund</span> with the required number of contributions and no loan defaults. The application can be completed online through the Virtual Pag-IBIG portal or by submitting the required documents at a Pag-IBIG branch. Applicants generally need a completed MPL application form, a valid government-issued ID, and proof of income such as a payslip, Certificate of Net Pay, or other income documents depending on employment status. After submission and verification, approved loan proceeds are typically released through a registered bank account or Loyalty Card Plus. Online applications have become the preferred method because they are faster and more convenient for most members.