A Pag-IBIG calamity loan is a financial aid designed for members affected by natural disasters or calamities. It allows you to borrow up to a certain percentage of your contributions, with a low-interest rate and flexible repayment terms. To apply, you need to fill out an application form and submit it along with necessary documents like a valid ID and proof of calamity. Check the official Pag-IBIG website or contact their office for detailed requirements and the application process specific to your situation.