Pag-IBIG housing loan releases reach P140.54B in 2025

More Filipino workers were able to secure homes in 2025 as housing loan releases by Pag-IBIG Fund reached P140.54 billion, up 8% from P129.73 billion in 2024, the agency said.

Pag-IBIG Fund reported that 90,727 members benefited from its home loan programs during the year, which covered the purchase of housing units as well as financing for home construction, renovation, and improvement. The agency said the increase reflects sustained momentum in affordable housing finance, in line with the government’s push to accelerate homeownership.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the results underscore progress under the Expanded Pambansang Pabahay para sa Pilipino Program (Expanded 4PH).

“We are pleased to report that Pag-IBIG Fund’s housing loan accomplishment in 2025 reflects our sustained work under the Expanded 4PH to help more Filipino workers secure decent homes,” Aliling said. He added that the agency will work more closely with shelter partners in 2026 to further speed up loan releases and support President Ferdinand R. Marcos Jr.’s directive to expand access to affordable housing.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the agency’s home loan offerings are designed to keep housing affordable for members in the Philippines and overseas, while supporting broader social goals.

Of the total loan releases, 7,056 socialized housing units worth P7.63 billion were financed under the Expanded 4PH program’s subsidized 3% interest rate. Another 4,811 housing units worth P6.2 billion were funded under the agency’s 4.5% promotional rate for loans of up to P1.8 million.

Acosta said Pag-IBIG Fund remains focused on expanding access to quality housing, particularly for minimum wage earners and middle-income members. She noted that the agency continues to roll out programs offering subsidized and promotional rates, as well as financing for home repair and improvement, to address members’ varying housing needs.

Under the Expanded 4PH housing loan program, qualified local members and overseas Filipino workers who are first-time homebuyers may avail themselves of loans for socialized housing units at a 3% annual interest rate for the first five years, extendible for another five years. The program lowers monthly amortizations to P4,005 for house-and-lot units priced up to P950,000, and around P8,432 for condominium units priced up to P2 million.

Pag-IBIG Fund also offers a 4.5% promotional rate for first-time homebuyers on loans of up to P1.8 million, as well as a Home Improvement Loan of up to P300,000 for qualified members seeking to repair or upgrade their homes.