For millions of Filipino workers, a home begins with a monthly contribution to Pag-IBIG Fund.

Those pooled savings are now helping drive a housing portfolio that has achieved a significant milestone — Pag-IBIG’s gross housing-related assets reached P1.01 trillion as of 31 July 2026.

The milestone reflects the continued expansion of financing for members buying, building, and improving their own homes, as well as the support extended to institutions involved in housing development.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the growth underscored the fund’s role in expanding homeownership while supporting activities across the housing sector and the broader economy.

“Pag-IBIG Fund’s performance continues to reflect its commitment to achieving the directive of President Ferdinand R. Marcos Jr. under the Expanded Pambansang Pabahay para sa Pilipino Program to make affordable homeownership accessible to more Filipinos,” Aliling said.

“Reaching more than P1 trillion in housing-related assets is an important milestone. It means more financing is reaching Filipino homebuyers, while qualified developers and institutions receive greater support to provide housing,” he added.

Of the P1.01 trillion in gross housing-related assets, P971.39 billion, or about 96 percent, consists of housing-related loans, while P38.47 billion consists of other housing-related assets.

For members, much of that figure translates into financing that has helped Filipino workers buy, build, and improve their homes.

Housing is at the heart of Pag-IBIG Fund’s mandate, which requires at least 70 percent of its investible funds to be invested in housing. In this way, members’ pooled savings are put to work financing homes and housing developments while generating earnings that help protect and grow their funds.

Pag-IBIG Fund CEO Marilene C. Acosta said the trillion-peso portfolio captures the essence of the fund’s name — Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno —with members’ savings helping fellow members achieve the dream of homeownership.

“This is Pag-IBIG at work. The savings of millions of Filipino workers are pooled together and put to productive use, much of it to help fellow members have homes of their own,” Acosta said.

The fund’s housing financing has also continued to gain momentum. From January to July 2026, housing and wholesale loan releases reached P88.84 billion, up 12 percent from P72.61 billion in the same period last year.

Pag-IBIG Fund has also widened its lending capacity under the Expanded 4PH program. It increased the maximum Pag-IBIG Housing Loan to P10 million per borrower, payable over as long as 30 years, while retaining its 3-percent subsidized housing loan rate for qualified low-income borrowers.

The fund is offering promotional rates until 31 December: 4.5 percent for loans above the socialized housing price ceiling up to P4.9 million, and 5.75 percent for loans above P4.9 million up to P10 million.