Pag-IBIG savings hit record P160B

Pag-IBIG Fund members collectively saved a record P160.41 billion in 2025, posting a 21-percent increase from the previous year and marking the highest level of member savings in the agency’s history.

The government-run home financing agency attributed the milestone largely to the continued expansion of voluntary savings, particularly through its Modified Pag-IBIG II (MP2) Savings Program, which offers higher returns compared to regular contributions.

Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, said the strong collections reflected the sustained public confidence in the agency’s programs.

“Once again, our strong collections reflect the trust and confidence our members place in Pag-IBIG’s savings programs,” Aliling said.

“With P27.61 billion more in savings collected in 2025 compared with the previous year, Pag-IBIG Fund’s solid financial position enables us to continue offering low interest rates and support the financing requirements of the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program of President Ferdinand R. Marcos Jr.,” Aliling said.

Of the total amount collected last year, mandatory monthly contributions reached P66.80 billion. At the same time, voluntary savings accounted for the larger share of collections, underscoring the growing popularity of the MP2 as a long-term savings and investment vehicle for members.

Pag-IBIG Fund chief executive officer Marilene C. Acosta noted that voluntary savings have steadily gained traction in recent years, eventually surpassing mandatory contributions as a key growth driver for the agency’s funds.

Over the past decade, Pag-IBIG has posted sustained growth in member savings, reflecting expanded membership, stronger dividend performance, and increasing participation in voluntary savings programs. Annual collections have steadily climbed from below P50 billion in the mid-2010s to more than triple by 2025, strengthening the agency’s capacity to finance housing loans and expand member benefits.

The steady growth in savings has supported the government’s push to accelerate housing delivery under the Expanded 4PH Program. Earlier this year, 364 qualified beneficiaries received housing units at the Bocaue Bulacan Manor condominium project, which was developed jointly by the DHSUD and Pag-IBIG Fund.

The Bocaue project of more than 4,000 units will accommodate around 12,000 residents in 11 mid-rise buildings. The first completed tower has 364 units already handed over to qualified applicants, while additional beneficiaries have received Notices of Approval as they move closer to homeownership.

Designed as a self-contained residential community, Bocaue Bulacan Manor features recreational facilities, commercial spaces, transportation access points, and essential community services to support residents’ daily needs.

As of October 2025, nearly 400,000 families have received homes through Pag-IBIG programs, with nearly P75 billion in cash loans distributed. Pag-IBIG, DHSUD and the National Housing Authority are working together to provide homes for 730,000 families by 2028 under the 4PH program.