Pag-IBIG MCRF and STLRF (loan remittance)
How Pag-IBIG contributions are computed, and how to prepare the MCRF data and the STLRF short-term loan remittance form.
How contributions are computed
From February 2024 (HDMF Circular 460):
- Employee: 1% if monthly pay is ₱1,500 or less, otherwise 2%.
- Employer: 2%.
- Both are computed on a fund salary of up to ₱10,000, so at most ₱200 each a month.
Payrolls paid before February 2024 use the ₱5,000 cap of that time (₱100 each). See Statutory rates and updates.
MCRF: contribution data (monthly)
HR › Compliance & Reports › Pag-IBIG MCRF › choose the month. It lists each member's MID, name, Gross Pay (Month), and the employee and employer shares, with totals. Download PDF or CSV.
"Gross Pay (Month)" is the employee's total pay, shown for reference. The shares are computed on the fund salary (up to ₱10,000), not on gross pay.
STLRF: short-term loan remittance form (monthly)
HR › Compliance & Reports › Pag-IBIG Short-Term Loan Schedule › choose the month › STLRF form (PDF) or STLRF CSV.
It's filled from the loan deductions in posted payroll, in the layout of Pag-IBIG form HQP-SLF-017:
- Header: Pag-IBIG employer ID, employer name, address, phone and the period covered.
- Each borrower: MID no., application no., name (with name extension), loan type (MPL Multi-Purpose Loan or CL Calamity Loan), amount, and employer remarks: N (newly hired) or RS (resigned or separated), with the date.
- Page totals and a grand total.
Housing loans aren't short-term loans, so they're left off the STLRF.
If a loan has no application no., the form shows a reminder. Add it on the loan's page under HR › Loans & Cash Advances.
Before you submit
- Fill in the Pag-IBIG employer ID, address and phone in Company Settings.
- Check each member's MID and each loan's application no.
- Remit through Virtual Pag-IBIG or a Pag-IBIG collecting partner. The amounts on the STLRF must match what you remit. Godo doesn't submit anything to Pag-IBIG.