Pag-IBIG Fund declares record P64.34B dividends for 2025; Regular Savings rate rises to 6.62%, MP2 climbs to 7.12%

by Info @Brand Zone | February 27, 2026

Pag-IBIG Fund declared the highest dividend payout in its 45-year history, announcing P64.34 billion in dividends for 2025. The Regular Savings dividend rate rose to 6.62%, while the Modified Pag-IBIG 2 (MP2) Savings rate climbed to 7.12%, reflecting the agency’s solid financial position and strong operational performance.

The announcement was made during the Pag-IBIG Fund Chairman’s Report held on Feb. 27 at the Philippine International Convention Center in Pasay City.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the record dividend declaration reflects the agency’s sound fiscal management and its commitment to return strong, sustainable earnings to members by growing their savings year after year.

“Pag-IBIG Fund has once again marked 2025 as one of its best-performing years, as we declared the highest amount of dividends in our 45-year history,” Aliling said. “This past year, we reaffirmed Pag-IBIG Fund’s role as the country’s leading institution for housing finance and savings. Our strong performance enabled us to deliver higher earnings on members’ savings while keeping our housing loans affordable under the Expanded Pambansang Pabahay Para sa Pilipino (Expanded 4PH) Program. We will keep Pag-IBIG Fund’s growth sustainable, our programs affordable, and above all, ensure that members receive the benefits they have rightfully earned and truly deserve.”

“In doing so, we stand firmly with President Ferdinand R. Marcos Jr.’s call to uplift the lives of more Filipinos,” he added. “We will remain steadfast in building a strong, secure, and inclusive Pag-IBIG Fund that helps more hardworking Filipinos move closer to homeownership under a Bagong Pilipinas.”

In 2025, Pag-IBIG Fund posted P65.28 billion in net income, supported by strong housing loan performance, a sustained performing loans ratio, record-high membership savings collections, and higher investment earnings. The agency declared P64.34 billion in dividends for the year, equivalent to a 98.6% payout ratio that exceeded the minimum required under its charter, while maintaining a healthy capital adequacy ratio. By law, Pag-IBIG Fund returns at least 70% of its annual net income to members in the form of dividends. The results reflect the agency’s strong financial position and its continued effort to deliver the highest possible returns for members.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the record dividend declaration was supported by the agency’s sustained growth, allowing it to deliver strong returns for members while keeping home financing affordable. In 2025, she said, 

Pag-IBIG Fund released a record P140.54 billion in housing loans, financing 90,727 housing units. Total membership savings collections, meanwhile, reached a record P160.41 billion, driven mainly by members’ voluntary savings.

“When Pag-IBIG performs well, our members benefit the most,” Acosta said. “This year’s dividend rates of 6.62% for Regular Savings and 7.12% for MP2 Savings reflect our continuing commitment to safeguard members’ contributions and ensure they earn strong returns year after year. Our members deserve nothing less than the highest level of public service and the most responsible management of their hard-earned savings.”

“We will begin crediting dividends on the Pag-IBIG Regular Savings and returns on MP2 Savings to members’ accounts, and members can expect to see these reflected in the coming days,” Acosta said. “We encourage our members to create their Virtual Pag-IBIG accounts to conveniently view their updated balances.”

Pag-IBIG Fund investment income jumps nearly 50% to ₱9.43 billion in 2025; assets hit ₱1.23 trillion

by Info @Brand Zone | February 26, 2026

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

Pag-IBIG Fund said its investment income rose nearly 50% to ₱9.43 billion in 2025, reinforcing the agency’s strong fiscal position and helping sustain affordable home financing and growing member savings, officials said Wednesday (Feb. 25).

The stronger investment earnings helped lift Pag-IBIG Fund’s overall financial standing. At year-end 2025, the agency’s total assets rose to ₱1.23 trillion, while its gross investment portfolio increased to ₱190.13 billion, up ₱55.27 billion or 41.0% from year-end 2024. A large portion of the portfolio was invested in government securities, with the remainder placed in time deposits, corporate bonds and preferred shares, officials said, adding that these instruments undergo rigorous review and are subject to established safeguards.

“Pag-IBIG Fund’s investment growth demonstrates our commitment to responsible stewardship of our members’ savings,” said Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees. “Through sound governance and prudent financial management, we continue to strengthen Pag-IBIG Fund’s financial position and secure its long-term stability. This allows us to grow our members’ savings, deliver competitive returns, and sustain affordable home loans under the Expanded 4PH program. In doing so, we answer President Ferdinand R. Marcos Jr.’s call for government to deliver benefits and services to help uplift the lives of more Filipinos.”

Of Pag-IBIG Fund’s total assets as of year-end, housing-related assets accounted for ₱922.07 billion, while ₱96.41 billion were in short-term loans. Income-generating investments totaled ₱190.00 billion, with the remaining ₱25.98 billion in other assets such as property and equipment, cash, and intangible assets.

Meanwhile, Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta emphasized that investment decisions are undertaken within a strong governance framework designed to protect members’ savings.

“It is our responsibility to manage and grow the Filipino workers’ fund with prudence and integrity,” Acosta said. “All our investments are lawful, prudent, and fully compliant with our internal protocols and Board-granted authorities, with regular reporting to the Board to ensure transparency and accountability. Our members can be assured that every peso is managed with the highest regard for safety, sustainability, and their best interest.”

Acosta said stronger investment income supports Pag-IBIG Fund’s mandate of delivering competitive returns to members while sustaining housing and short-term loan programs nationwide.

“Every peso entrusted to Pag-IBIG Fund must be managed with safety, sustainability, and long-term value in mind. When we invest well, members benefit through stronger dividends, and more Filipino families benefit through affordable home financing,” she added.

Under its Charter, Pag-IBIG Fund returns at least 70% of its annual net income to members as dividends. In 2024, the agency declared dividend rates of 6.60% for Regular Savings and 7.10% for Modified Pag-IBIG 2 (MP2) Savings, its highest since the pandemic. Pag-IBIG Fund is expected to announce its 2025 dividend rates on Friday, Feb. 27.

Pag-IBIG Fund said it remains focused on growing members’ savings while keeping home financing within reach of more Filipino families.

Pag-IBIG backs precast housing with Megawide, targets over 7,000 units in two years

by Info @Business | February 16, 2026

Pag-IBIG Fund highlighted the role of public-private partnerships and modern construction technology in accelerating socialized housing delivery as officials joined President Ferdinand R. Marcos Jr. in the ceremonial launch of a precast manufacturing facility in Taytay, Rizal on Monday, Feb. 16.

The facility, operated by Megawide Construction Corporation, will produce precast housing components for Expanded Pambansang Pabahay para sa Pilipino Program (Expanded 4PH) developments financed by Pag-IBIG Fund, enabling faster construction of quality socialized housing units within reach of many Filipino families.

The launch, held in line with the anniversary of the Department of Human Settlements and Urban Development, showcased how industrialized construction methods can help deliver more homes faster under the Marcos administration’s flagship housing program.

“In line with President Marcos’ directive to expand access to affordable, decent housing, we are pushing modern construction methods like precast so we can deliver safe, quality homes faster for Filipino families,” said Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees. “By speeding up housing delivery, we not only provide more Filipinos with homes, but we also help create jobs, sustain construction activity, and stimulate the economy.”

During the tour, the President and housing agency officials viewed the precast production line and housing components being manufactured for Expanded 4PH projects. Precast construction allows major building elements such as walls, slabs, beams and columns to be produced simultaneously in a controlled plant environment, helping improve quality checks and shorten construction schedules at the project site.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said that, consistent with the agency’s mandate, it provides long-term housing finance that helps stimulate the housing industry, including support for projects that enable developers to adopt faster, more efficient building methods while keeping home loan payments within reach of its members.

“Today, we witnessed a major step forward in strengthening socialized housing through the adoption of modern construction technology,” Acosta said. “In line with our mandate to provide sustainable financing for the country’s housing industry, we support projects like this to speed up construction, improve efficiency, and deliver quality homes that remain affordable for Filipino families.”

“Through our partnership with Megawide Construction Corporation, we expect to build more than 7,000 housing units in just two years—or even sooner—while ensuring strong returns that help protect and grow our members’ savings,” she added.

Pag-IBIG Fund said it invested P10 billion in Megawide preferred shares in 2025 to support the construction of 7,143 housing units in medium-rise residential developments under the Expanded 4PH in Cavite, with a robust 9% annual return intended to help sustain competitive dividends for its members’ savings.

The agency has also approved P27.12 billion in various housing development financing, of which P8.5 billion has been released. This is expected to support the construction of 21,022 socialized housing units, further advancing housing delivery under the Expanded 4PH Program.

In 2025, Pag-IBIG Fund released a record P140.54 billion in housing loans, benefiting 90,727 Filipino workers who secured new homes or improved their current homes, as the Expanded 4PH continues to accelerate the delivery of affordable housing nationwide.