To be eligible for a Pag-IBIG housing loan, you must be a member for at least 24 months and have made the necessary contributions. You should also be at least 21 years old and have the legal capacity to acquire property. In addition, your monthly income must meet the program’s requirements, and you should not have any existing Pag-IBIG loans that are in default. For specific details and to ensure you meet all conditions, it's best to visit the official Pag-IBIG Fund website or consult a Pag-IBIG representative.