Your Total Accumulated Value (TAV) consists of all your remitted contributions, employer share (if any), and total dividend earnings in your account—from your first remittance to the latest one. The HDMF uses the TAV to determine how much to lend to member-borrowers. For instance, when you need a Pag-IBIG calamity loan, you may borrow up to 80% of your TAV. When your Pag-IBIG membership terminates, the HDMF will return your TAV to you minus any outstanding Pag-IBIG loan balance you have.