Pag-IBIG Fund said it is maintaining low housing loan rates as commercial borrowing costs are expected to rise, offering qualified borrowers rates as low as three percent and loans of up to P10 million. Socialized housing borrowers may avail themselves of the subsidized three-percent rate, while members buying homes above the socialized housing ceiling may qualify for promotional rates of 4.5 percent for loans of up to P4.9 million and 5.75 percent for loans above P4.9 million and up to P10 million.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Board of Trustees, said the government-backed loans could help workers pursue homeownership as commercial housing loans become more expensive.

Pag-IBIG Fund CEO Marilene C. Acosta said the agency is also expanding its partnerships with residential developers to give members more housing choices.

Pag-IBIG recently partnered with Avida Land Corp. and Amaia Land Corp., both Ayala Land brands, to identify projects and units that qualified members can purchase through Pag-IBIG housing loans. The agency has nearly 500 accredited developers nationwide.

Pag-IBIG reported that members saved P127.29 billion in the first seven months of 2026, up 35 percent from the same period last year. Housing loan collections rose 11 percent to P60.80 billion, while housing loan releases increased 19 percent to P84.36 billion, financing 52,374 homes, up 13 percent.

Socialized housing recorded the strongest growth, with P8.17 billion in loans financing 7,803 units, increases of 119 percent in loan value and 131 percent in homes financed.