Pag-IBIG Fund left a big mark in 2025, releasing P140.54 billion in housing loans — an eight-percent increase over the P129.73 billion released in 2024. The loans helped 90,727 Filipino workers buy or finance the construction, renovation, or improvements of a home.

President Ferdinand R. Marcos Jr. highlighted Pag-IBIG Fund’s efforts during the National Housing Expo last October, praising its role in expanding Filipinos’ access to affordable homes.

“We are pleased that Pag-IBIG Fund’s 2025 housing loan accomplishments reflect our work under the Expanded 4PH program to help more Filipino workers secure decent homes,” said DHSUD Secretary Jose Ramon Aliling, who also chairs the 11-member Pag-IBIG Board of Trustees.

“This supports President Marcos Jr.’s directive to accelerate affordable housing delivery. In 2026, we’ll work even more closely with our shelter partners to speed up loan releases and help more Filipino families move into their own homes,” he said.

Pag-IBIG CEO Marilene C. Acosta said the agency’s home loan programs are designed to make home ownership affordable for members in the Philippines and abroad, supporting the government’s mission of uplifting Filipino lives through decent shelters.

Of the total loans released last year, 7,056 Expanded 4PH socialized housing units worth P7.63 billion were financed at a subsidized 3-percent interest rate, while 4,811 housing units worth P6.2 billion were financed under a 4.5-percent promotional rate for loans up to P1.8 million.

“Pag-IBIG Fund remains fully aligned with President Marcos Jr.’s goal of expanding access to quality and affordable housing, especially for minimum-wage earners and middle-income members,” Acosta said.

“As the largest single source of home mortgage financing in the country, we recognize our role in helping more Filipino workers secure safe, decent homes,” he added.

The agency rolled out several programs in 2025 to meet members’ diverse needs, including subsidized and promotional rates for first-time homebuyers, as well as loans for home repair and improvement.

Under the Expanded 4PH Housing Loan, qualified members and overseas Filipino workers can purchase socialized housing units at a 3-percent annual interest rate for the first five years, extendable for another five. This keeps monthly payments low — around P4,005 for house-and-lot units priced up to P950,000 and P8,432 for condo units up to P2 million.

Through the Early Bird Promo, the first 30,000 borrowers can enjoy this subsidized rate for the first 10 years.

For loans up to P1.8 million, the 4.5-percent promotional rate makes monthly payments more manageable. For example, a P1.8-million loan over 30 years carries a monthly amortization of P9,120 — saving nearly P2,000 a month compared with the regular 6.25-percent rate. These loans can be used to purchase, build, improve, or acquire homes.

For members looking to upgrade or repair their homes, the Pag-IBIG Home Improvement Loan allows borrowing up to P300,000, payable in five years, with minimal requirements. The first 10,000 borrowers enjoy a promotional 3-percent per annum interest rate.