To qualify for a Pag-IBIG loan, you generally need to be a member for at least 24 months and have made at least 24 contributions. You'll also need to submit valid identification, proof of income, and other necessary documents depending on the loan type. Pag-IBIG offers loan terms ranging from 5 to 30 years, allowing flexibility based on your capacity to repay. For the most accurate and specific information, including details on eligibility and documents needed, it's best to check their official website or consult a Pag-IBIG branch directly.