Virtual Pag-IBIG offers various loan products, each with specific repayment terms. Typically, the terms can range from 12 months to 30 years, depending on the type of loan you apply for, such as a housing loan or calamity loan. It's important to review the details carefully, as the repayment schedule will also affect your monthly contributions. For the most accurate information, you should check the official Pag-IBIG website or consult with a licensed Pag-IBIG representative to understand what best suits your financial situation.