To apply for a Pag-IBIG housing loan, start by ensuring you're a member for at least 24 months and have made the necessary contributions. Gather required documents like valid ID, proof of income, and a copy of the property you intend to purchase or build. Submit your application at a Pag-IBIG branch or online through their website. After submission, your application will undergo evaluation, and you’ll be notified of the results. For detailed guidance, it's best to check the official Pag-IBIG website or consult with a Pag-IBIG representative.