To qualify for a Pag-IBIG loan, you usually need to be a member for at least 24 months, have made contributions, and provide valid identification. The loan can be used for housing or other purposes, depending on the type of loan you choose. Repayment terms typically range from 5 to 30 years, but this can vary based on the loan amount and your income level. It's crucial to check the official Pag-IBIG Fund website or consult with their representatives for the most accurate and detailed information regarding your specific situation.