Pag-IBIG Fund urges acquired asset occupants to legitimize tenure with 10% discount

by Info @Brand Zone | August 29, 2025

The Super Sale is open to all buyers, whether Pag-IBIG Fund members or non-members, including current occupants of foreclosed units. Eligible Pag-IBIG members, particularly minimum- and low-wage earners and Overseas Filipino Worker

Pag-IBIG Fund is urging occupants of its acquired properties to legitimize their tenure by purchasing the homes they currently occupy, now made more affordable through a 10 percent discount under its ongoing Acquired Assets Super Sale. Buyers may choose among three available payment options, namely cash, short-term installment, or a Pag-IBIG Housing Loan. The offer runs from Aug. 25 and ends on Dec. 14.

The offer applies to occupied properties currently in Pag-IBIG Fund’s acquired asset inventory, and forms part of the agency’s efforts to promote homeownership under the Marcos Administration's Expanded Pambansang Pabahay para sa Pilipino, or Expanded 4PH Program.

“We are taking all available steps and launching the necessary initiatives to help Filipino workers gain homeownership, consistent with the vision of President Ferdinand R. Marcos Jr. in providing access to dignified and secure housing for all,” said Secretary Jose Ramon P. Aliling, chairperson of the Pag-IBIG Fund Board of Trustees and head of the Department of Human Settlements and Urban Development.

“We recognize that our members face different circumstances that call for tailored solutions. That is why we are addressing their varied needs through this campaign by giving current occupants of our foreclosed properties the opportunity to become legitimate homeowners.”

Under the program, eligible occupants who receive an Invitation to Purchase or Lease (ITPL) from Pag-IBIG Fund may buy the homes they currently occupy. Those who are issued an ITPL during the promotional period shall enjoy a 10 percent discount. They may choose to purchase the property through cash, short-term installment of up to 12 months, or a Pag-IBIG Housing Loan. For members opting to avail of the housing loan, those with limited income may apply with co-borrowers to help meet the required income. Meanwhile, original borrowers whose accounts were previously cancelled or foreclosed may also seek approval from the agency to qualify for another loan under the program.

“This is the best time for occupants of our acquired properties to take the step toward legal homeownership,” said Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta. “With the 10 percent discount under our Super Sale, they can purchase the homes they already live in at a more affordable price. This allows them to finally secure legal ownership of the property and enjoy the peace of mind that comes with it.”

Acosta emphasized that proceeds from these sales are plowed back into Pag-IBIG Fund’s programs, staying true to the agency’s founding principle of mutual benefit among members.

“Every peso we recover from these units helps us serve more members,” she said. “The amounts originally loaned out to acquire these homes came from the collective savings of our members. So when current occupants purchase these properties, the funds return to Pag-IBIG Fund and allow us to help even more Filipino workers who also dream of having a home of their own. This is part of how we continue to fulfill our mandate of making homeownership affordable for every Filipino worker.”

The Pag-IBIG Fund Acquired Assets Super Sale, launched in August, features more than 30,000 foreclosed properties with special discounts under various modes of purchase. For unoccupied properties, buyers may avail of up to 35 percent discount for cash purchases, up to 25 percent for installment terms, and up to 15 percent for housing loan takeouts. For properties that are occupied, discounts are up to 40 percent for cash payments, up to 30 percent for installment, and up to 20 percent for housing loan takeouts. Meanwhile, current occupants of foreclosed properties may purchase the homes they are living in through direct sale and enjoy a 10 percent discount.

Interested buyers may access the full list of properties and view the step-by-step process for submitting offers through Pag-IBIG Fund’s online platform at www.pagibigfundservices.com/OnlinePublicAuction .

Pag-IBIG Fund Launches Super Sale, Offers Up to 40% Discount on Acquired Assets

by Info @Brand Zone | August 26, 2025

The Super Sale is open to all buyers, whether Pag-IBIG Fund members or non-members, including current occupants of foreclosed units. Eligible Pag-IBIG members, particularly minimum- and low-wage earners and Overseas Filipino Worker

Pag-IBIG Fund has launched its Acquired Assets Super Sale, offering more than 30,000 foreclosed properties at significantly reduced prices. The Super Sale is part of the agency’s initiatives under the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program and aims to expand access to ready-for-occupancy homes for Filipino workers.

The promo offers up to 40% discounts on occupied units and up to 35% on unoccupied units, creating more affordable homeownership opportunities for Filipino workers. It also allows current occupants of foreclosed properties to legitimize ownership at a lower cost. The limited-time offer runs from Aug. 25 to Dec. 14, 2025.

“I commend Pag-IBIG Fund for once again heeding the call to provide additional, practical options for Filipino workers to achieve homeownership at a lower cost,” said Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the 11-member Pag-IBIG Fund Board of Trustees. “Through this Acquired Assets Super Sale initiative, Pag-IBIG Fund is able to offer more home options by integrating foreclosed properties into the Expanded 4PH housing pipeline, thereby expanding access to affordable, ready-for-occupancy homes. This effort reflects, once again, our commitment to the national housing agenda of President Ferdinand R. Marcos Jr. under a Bagong Pilipinas.”

Pag-IBIG Fund already offers its acquired assets under discounted terms, but through this special promo, discounts have been increased across all payment modes. Occupied properties now receive an additional 10% discount, while unoccupied units enjoy an extra 5%.

For example, for occupied properties under negotiated sale, cash purchases now receive 40% off, up from 30%. Short-term installment payments come with 30% discounts, up from 20%, while purchases through Pag-IBIG housing loans are now offered at a 20% discount, double the previous 10%.

Unoccupied properties have also become more affordable, with discounts raised to 35% for cash buyers, 25% for short-term installment buyers, and 15% for those using Pag-IBIG housing loans.

The Super Sale is open to all buyers, whether Pag-IBIG Fund members or non-members, including current occupants of foreclosed units. Eligible Pag-IBIG members, particularly minimum- and low-wage earners and Overseas Filipino Workers, may also avail of the Pag-IBIG Housing Loan under the Expanded 4PH Program, which features a subsidized 3% interest rate for the first five years of the loan term. This makes it even more affordable to purchase acquired assets, provided the net selling price falls within the ₱850,000 ceiling for house-and-lot units and ₱1.8 million for condominium units.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta affirmed the agency’s commitment to its mandate of providing affordable home financing for members.

“By offering larger discounts through our Pag-IBIG Acquired Assets Super Sale, we are giving more Filipino workers even more opportunities to finally own a home,” Acosta said. “This is also the best time for current occupants of our foreclosed properties to settle with Pag-IBIG Fund and become legitimate homeowners. We will issue them with invitations to purchase or lease the property they currently occupy, so that they can legalize their tenure and finally gain peace of mind in having a home to call their own. And, if they are unable to purchase the property even with the discount we offer, they may still opt to lease the property for up to three years.”

To promote transparency and broaden participation, Pag-IBIG Fund has also launched its Centralized Online Public Auction platform, enabling interested buyers to browse, bid, and purchase properties entirely online.

“Just in time for the Super Sale, we have enhanced our auction system to make the process fully digital,” Acosta added. “Members can now browse property listings, submit bids, and complete purchases through a fast, transparent, and user-friendly platform. New batches of properties will be posted every week until December 14, giving more Filipino workers the chance to participate.”

Interested buyers may access the full list of properties and participation details through Pag-IBIG Fund’s online platform at www.pagibigfundservices.com/OnlinePublicAuction .

Pag-IBIG Fund Investment Income Jumps 52% in First Half of 2025

by Info @Brand Zone | August 18, 2025

Pag-IBIG Fund earned ₱4.27 billion from its investments in the first half of 2025, up 51.79% from the same period in 2024. The gains helped push the agency’s net income to ₱28.04 billion for the six-month period, a 15.25% increase year on year.

“It is our responsibility to manage and grow the Filipino workers’ fund with prudence and integrity, so we can continue delivering affordable home financing and provide our members with competitive returns on their savings,” said Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta.

As of June 30, Pag-IBIG Fund’s total assets stood at ₱1.14 trillion. Of that amount, ₱869.50 billion are in housing-related assets, ₱82.70 billion in short-term loans and ₱168.44 billion in income-generating investments. The remaining ₱21.16 billion consist of other assets, including property and equipment, cash and intangible assets.

Within this, the agency’s gross investment portfolio reached ₱168.47 billion, higher by ₱33.13 billion, or 24.48%, from the end of 2024. Officials said the growth reflects Pag-IBIG Fund’s prudent management of members’ savings while continuing to support its core programs in housing and short-term financing.

“All investment decisions are carried out with integrity, under a thorough and transparent process designed to protect and grow the hard-earned savings of Filipino workers,” Acosta said. “All our investments are lawful, prudent, and fully compliant with internal protocols and the authority granted to Management by our Board since 2016. We submit monthly reports to the Board to ensure transparency and accountability in how we grow the hard-earned savings of Filipino workers. Our members can be assured that every peso is managed with the highest regard for safety, sustainability, and their best interest,” Acosta further noted.

Under its charter, Pag-IBIG Fund returns at least 70% of its net income as dividends to members. In 2024, the agency declared dividend rates of 6.60% for Pag-IBIG Regular Savings and 7.10% for the Modified Pag-IBIG 2 (MP2) Savings, the highest since the pandemic.

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