Kahusayan sa pamamahala sa pananalapi ng Pag-IBIG Fund, pinagtibay ng COA

ni Fely Ng @Bulgarific | July 5, 2025

Hello, Bulgarians! Kamakailan inihayag ng mga opisyal ng Pag-IBIG Fund na nakamit muli nito ang ika-13 na magkakasunod na Unmodified Opinion mula sa Commission on Audit (COA), na nagpapatibay sa kahusayan nito sa pamamahala sa pananalapi at maayos na kasanayan sa pamamahala.

Ang pinakabagong audit opinion ay kasunod ng komprehensibong pagsusuri ng COA sa mga financial statement at operasyon ng Pag-IBIG Fund para sa taong 2024.

Kinumpirma sa pagsusuri na ang mga transaksyon ng ahensya ay wastong isinagawa ayon sa naaangkop na batas at regulasyon, at ang financial statement nito ay patas na ipinakita sa lahat ng materyal na aspeto, alinsunod sa mga nauugnay na pamantayan sa accounting at pag-uulat ng pamahalaan.

“This is further proof that Pag-IBIG Fund has been, and continues to be, managed with professionalism, prudence, and integrity,” saad ni Secretary Jose Ramon P. Aliling, namumuno sa Department of Human Settlements and Urban Development at Chairperson of the 11-member Pag-IBIG Fund Board of Trustees. “It is a testament to how Pag-IBIG Fund upholds the highest standards in managing our members’ hard-earned savings and in fulfilling its mandate to serve the Filipino worker. This achievement also reflects Pag-IBIG Fund’s strong position, as it plays a key role in the administration’s flagship Expanded Pambansang Pabahay para sa Pilipino (4PH) Housing Program. We remain committed to the directive of President Ferdinand Marcos Jr. to build a more secure, resilient, and prosperous future for every Filipino family.”

Binigyang-diin din ni Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta ang kahalagahan ng pagkilalang ito, na itinatampok kung paano sumasalamin sa namumukod-tanging pagganap at paghahatid ng serbisyo ng ahensya noong 2024.

“Pag-IBIG Fund exceeded the one-trillion-peso mark in total assets and posted a historic net income of P66.78 billion last year. We also achieved all-time highs in our housing loan releases, cash loan disbursements, and loan collections, enabling more Filipino workers to access affordable home financing and meet their short-term financial needs. Earning COA’s Unmodified Opinion for the 13th consecutive year affirms that we accomplished all these while upholding the highest standards of integrity, in line with President Marcos Jr.’s call for excellence and accountability in public service,” pahayag ni Acosta. 

 “This recognition reinforces our members’ trust, knowing that their savings are safe, protected, and responsibly managed. We will continue to serve them with Tapat na Serbisyo, Mula sa Puso, and remain focused on sustaining this track record of integrity in the years ahead,” dagdag pa niya.

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Para sa anumang impormasyon, opinyon, isyu o maging imbitasyon, mag-e-mail sa bulgarific@gmail.com o sumulat kay Ms. Bulgarific at ipadala sa Bulgar Bldg., 538 Quezon Avenue, Quezon City.

Pag-IBIG Fund Earns 13th Straight Unmodified Opinion from COA

by Info @Brand Zone | July 1, 2025

Pag-IBIG Fund has earned its 13th consecutive Unmodified Opinion from the Commission on Audit (COA), reaffirming its commitment to excellence in financial management, sound governance practices, and consistent compliance with accounting and auditing standards, officials announced on Tuesday, July 1.

The latest audit opinion followed COA’s comprehensive review of Pag-IBIG Fund’s financial statements and operations for the year 2024. The review confirmed that the agency’s transactions were properly conducted in accordance with applicable laws and regulations, and that its financial statements were fairly presented, in all material respects, in line with relevant government accounting and reporting standards.

“This is further proof that Pag-IBIG Fund has been, and continues to be, managed with professionalism, prudence, and integrity,” said Secretary Jose Ramon P. Aliling, head of the Department of Human Settlements and Urban Development and Chairperson of the 11-member Pag-IBIG Fund Board of Trustees. “It is a testament to how Pag-IBIG Fund upholds the highest standards in managing our members’ hard-earned savings and in fulfilling its mandate to serve the Filipino worker. This achievement also reflects Pag-IBIG Fund’s strong position, as it plays a key role in the administration’s flagship Expanded Pambansang Pabahay para sa Pilipino (4PH) Housing Program. We remain committed to the directive of President Ferdinand Marcos Jr. to build a more secure, resilient, and prosperous future for every Filipino family.”

COA had previously issued unqualified opinions on Pag-IBIG Fund from 2012 to 2017 and unmodified opinions from 2018 to 2024. With this latest result, Pag-IBIG Fund joins a short list of Philippine government agencies and GOCCs that have consistently received unqualified and unmodified opinions for over a decade, a noteworthy distinction that underscores its sustained fiscal discipline and commitment to transparency.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta likewise emphasized the significance of this recognition, highlighting how it reflects the agency’s outstanding performance and service delivery in 2024.

“Pag-IBIG Fund exceeded the one-trillion-peso mark in total assets and posted a historic net income of ₱66.78 billion last year. We also achieved all-time highs in our housing loan releases, cash loan disbursements, and loan collections, enabling more Filipino workers to access affordable home financing and meet their short-term financial needs. Earning COA’s Unmodified Opinion for the 13th consecutive year affirms that we accomplished all these while upholding the highest standards of integrity, in line with President Marcos Jr.’s call for excellence and accountability in public service, said Acosta.” 

“This recognition reinforces our members’ trust, knowing that their savings are safe, protected, and responsibly managed. We will continue to serve them with Tapat na Serbisyo, Mula sa Puso, and remain focused on sustaining this track record of integrity in the years ahead, she added.”

The unmodified opinion from COA adds to the list of recognitions earned by Pag-IBIG Fund from governing bodies for its excellence in public service last year. In 2024, Pag-IBIG Fund was also named as one of the top-performing government firms for good governance by the Governance Commission for GOCCs (GCG). Pag-IBIG Fund also earned a satisfaction rating of 99.52% in its 2024 Client Satisfaction Measurement, in accordance with the standards set by the Anti-Red Tape Authority (ARTA) and the GCG.

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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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Download Virtual Pag-IBIG app today via Google Play and App Store.