Pag-IBIG Fund is keeping homeownership within reach for Filipino workers by maintaining subsidized and promotional housing loan rates despite rising lending costs, while increasing its maximum housing loan amount to ₱10 million.

The initiative supports President Ferdinand Marcos Jr.'s Expanded Pambansang Pabahay para sa Pilipino (Expanded 4PH) program, aimed at making home financing more accessible.

Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Board of Trustees, said eligible socialized housing borrowers may continue to avail themselves of the 3 percentsubsidized annual interest rate, while qualified members may secure 4.5 percent rates for low-cost housing loans worth up to ₱4.9 million and 5.75 percent for loans above ₱4.9 million up to ₱10 million.

Under the program, a ₱950,000 socialized house and lot may carry monthly amortization as low as ₱4,005.

Aliling said the lower rates are intended to keep monthly payments affordable while stimulating housing demand and supporting industries linked to residential construction.

"Housing has a direct impact on the economy. Every home financed means work for builders, suppliers, transport providers, furniture makers, retailers and many other sectors connected to housing," he said.

Pag-IBIG Chief Executive Officer Marilene Acosta said the agency's strong financial position enables it to offer below-market interest rates without compromising members' savings.

She noted that from January to May 2026, Pag-IBIG collected ₱90.24 billion in member savings and released ₱55.26 billion in housing loans, financing 34,641 homes.

"Our strong financial position allows us to pass on real savings to borrowers through lower monthly payments while continuing to grow the funds entrusted to us by our members," Acosta said.

She added that Pag-IBIG's housing and savings programs complement each other by helping members achieve homeownership while protecting and growing their savings.