Pag-IBIG Fund Maintains Low Housing Loan Rates Through End of 2025

by Info @Brand Zone | June 6, 2025

Pag-IBIG Fund announced that it is maintaining its low interest rates on housing loans until the end of 2025, continuing its efforts to make homeownership more affordable and accessible for Filipino workers.

“We are keeping our housing loan interest rates low to help more Filipino workers achieve their dream of homeownership,” said Secretary Jose Ramon P. Aliling, Chairperson of the 11-member Pag-IBIG Fund Board of Trustees and Secretary of the Department of Human Settlements and Urban Development (DHSUD). “This forms part of DHSUD’s renewed direction to expand the Pambansang Pabahay para sa Pilipino Program, in line with the vision of President Ferdinand R. Marcos Jr. to build a Bagong Pilipinas—where every Filipino has access to safe, affordable, and resilient communities. By keeping rates low, we make monthly amortizations more affordable, enabling more of our members—especially those who are minimum-wage earners and from low-income sectors—to finally move into homes they can truly afford.”

Under its current terms, Pag-IBIG Fund offers housing loans at interest rates as low as 5.75% per annum for a one-year repricing period, and 6.25% for a three-year repricing period. Meanwhile, qualified low-income members may avail of special rates under the agency's Affordable Housing Program to purchase socialized housing units at just 3% per annum. Members may also enjoy loan terms of up to 30 years, helping keep monthly amortizations further within reach.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the agency's sound financial position makes the continued low rates possible.

“Pag-IBIG Fund’s prudent fiscal management, strong collections and high-performing loan portfolio continue to keep us financially sound, enabling us to finance our members’ housing needs without external borrowing,” Acosta said. “This allows us to maintain affordable rates and expand home financing access to more Filipino workers. As we fully support the government’s housing thrust under the Marcos administration, we remain focused on helping more of our members—especially those in underserved sectors—secure homes they can call their own.”

This announcement builds on Pag-IBIG Fund’s strong performance in 2025. In the first quarter alone, the agency released ₱30.22 billion in home loans, benefiting over 20,000 members across the country. Additionally, Pag-IBIG Fund’s total assets surpassed ₱1.1 trillion as of March 31, 2025, reflecting its robust financial standing and capacity to sustain long-term support for affordable housing finance.

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P200 dagdag-sahod, aprub na sa Kamara

ni V. Reyes | June 5, 2025

Photo File: BSP

Pinagtibay na sa ikatlo at huling pagbasa ng Mababang Kapulungan ng Kongreso ang House Bill 11376 o Wage Hike For Minimum Wage Earners Act na naglalayong dagdagan ng P200 ang arawang sahod ng mga manggagawa sa pribadong sektor.

Sa botong 171 na pabor, isang tumutol at walang abstain, aprubado na ng mga kongresista ang panukalang legislated wage hike na tatlong dekada nang itinutulak na mapagtibay.

Sa ilalim ng panukala, kahit regular o hindi regular na empleyado ay masasakop ng dagdag-sahod.

“Upon the effectivity of this Act, the daily rate of all minimum wage workers in the private sector, regardless of employment status, including those in contractual and sub-contractual arrangements, whether agricultural or nonagricultural, shall be increased by two hundred pesos (P200) per day,” ayon sa Section 3 ng panukalang batas.

Upang makatulong naman sa mga maliliit na negosyong maoobliga sa dagdag-sweldo, maaaring magbigay ng compliance incentives ang Department of Labor and Employment (DOLE) sa mga ito.

“The following establishments may apply for exemption from compliance with the minimum wage increase as provided by this Act: (a) retail or service establishments regularly employing not more than ten (10) workers; and (b) establishments adversely affected by natural calamities or human-induced disasters,” dagdag pa sa panukala.

Kapag ganap nang naging batas, magiging P845 ang daily minimum wage sa Metro Manila mula sa kasalukuyang P645. 

Itataas naman sa P760 ang daily minimum wage sa mga nasa probinsya mula sa kasalukuyang P560. 

Maaaring maharap sa multang P100,000 hanggang P500,000 ang mga kumpanyang hindi susunod sa regulasyon ng batas.

Pag-IBIG Fund Home Loan Releases Reach P30B in Q1 2025

by Info @Brand Zone | May 22, 2025

Pag-IBIG Fund released P30.22 billion in home loans from January to March 2025, an 8 percent increase—or more than P2 billion higher—than the P28.09 billion disbursed during the same period in 2024, officials announced Wednesday, May 21.

“The strong performance of Pag-IBIG Fund in the first quarter underscores its continued commitment to providing affordable housing opportunities for Filipino families,” said Department of Human Settlements and Urban Development Secretary Jose Rizalino L. Acuzar, who also chairs the 11-member Pag-IBIG Fund Board of Trustees. “As we sustain progress in home financing alongside the growing momentum of the Pambansang Pabahay para sa Pilipino (4PH) Program, we heed President Ferdinand R. Marcos Jr.’s call to uplift the lives of our fellow Filipinos by ensuring access to dignified shelter.”

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, meanwhile, said the loan releases helped 20,315 members acquire their own homes during the first three months of the year.

Acosta also highlighted Pag-IBIG Fund’s vital support for the government’s flagship 4PH Program, through which the agency provides financing to developers, contractors and local government units to build housing projects, as well as to individual buyers of 4PH units. In the first quarter alone, the agency released P987.91 million under the program, benefitting 669 members and their families who now own homes.

“We are grateful to our members and stakeholders for their continued trust and support in our programs,” Acosta said. “Our performance in the home loan front demonstrates not only our financial strength, but also our unwavering commitment to make homeownership more accessible for Filipino workers. Pag-IBIG Fund remains focused on providing affordable and reliable housing programs that help build stable and dignified lives for our members.”