To apply for a Pag-IBIG housing loan, you need to be an active member and have made at least 24 monthly contributions. Prepare necessary documents such as a valid ID, proof of income, and a loan application form. You can apply online through the Pag-IBIG website or visit a Pag-IBIG branch. It's a good idea to check the official Pag-IBIG Fund website for the latest requirements and procedures. If you're unsure, consider consulting with a licensed financial advisor for personalised guidance.