Pag-IBIG Fund Keeps Housing Loan Rates Low Amid Rising Market Trends

by Info @Brand Zone | Apr. 1, 2025

Pag-IBIG Fund will maintain its low interest rates on housing loans until June 2025, marking the second consecutive year of offering affordable home financing and defying the upward trend in market lending rates, top officials announced Thursday (March 27). 

Pag-IBIG Fund continues to offer significantly lower rates as the agency has held its three-year repricing period steady at 6.25% per annum and maintains an even lower rate of 5.75% per annum for its one-year repricing period. This, despite the rise in home lending rates based on market reports, with indicative rates ranging from 6.82% to 7.94%, and effective rates between 7.18% and 8.78% as of the week ending January 29, 2025.

Pag-IBIG's Affordable Housing Program, meanwhile, also continues to provide a special 3% interest rate per annum for minimum-wage earners, remaining the lowest available rate in the market today.

“We recognize the importance of affordable home financing for Filipino workers. Thanks to Pag-IBIG Fund’s robust fiscal management, we can consistently provide our members with rates that are within their means and therefore open doors to homeownership for more members. This effort aligns with President Ferdinand Marcos Jr.’s directive to address the housing needs of our countrymen,” said Secretary Jose Rizalino L. Acuzar, head of the Department of Human Settlements and Urban Development and chair of the 11-member Pag-IBIG Fund Board of Trustees.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said that the agency's ability to retain its low interest rates is the result of the efficiencies in its operations, the surge in its performing loans ratio, and robust collections of loan payments. 

“We posted a record-high performing loans ratio of 93.72% to end last year, which means most of our members are diligently paying their home loans. This, combined with the quality of our investment portfolio, allows us to finance housing loans without the need to borrow externally, which in turn insulates our members from rising market interest rates. That is why I urge our borrowers to keep with their obligations because doing so will keep Pag-IBIG Fund – their fund – healthy. And when their fund is healthy, they can continue to enjoy low interest rates,” Acosta said.

Acosta further emphasized that Pag-IBIG housing loans offer members significant financial benefits, as interest rates remain lower than the dividends earned on their savings, allowing them to grow their funds even while financing their homes. “As administrators of the workers’ fund, we remain deeply committed to providing affordable home loans and competitive dividends, empowering our members to achieve homeownership and a better life. This exemplifies our Lingkod Pag-IBIG Brand of Service - Tapat na Serbisyo, Mula sa Puso,” she added.

Pag-IBIG Fund Announces Record ₱55.65-B Dividend in 2024; Regular Savings Earn 6.6%, MP2 Yields 7.1%

by Info @Brand Zone | Feb. 27, 2025

Pag-IBIG Fund declared the highest-ever amount of dividends for its members’ savings at the Chairman’s Report 2024 held Thursday at the Philippine International Convention Center.

For 2024, Pag-IBIG Fund reported ₱55.65 billion in total dividends, marking the largest payout in the agency’s 44-year history. As a result, the dividend rates for the Regular Savings climbed to 6.6%, while the agency’s popular Modified Pag-IBIG 2 (MP2) Savings rate rose to 7.1%.

“For nearly five decades now, this institution has empowered individuals and families to find, acquire, and build the homes they aspire for—all in a system founded on trust, integrity, and shared opportunity,” President Ferdinand R. Marcos Jr. said in a message. “This Chairman’s Report 2024 stands as proof of how your unwavering commitment has grown the contributions entrusted to your care, enabling every hardworking Filipino to achieve their dream homes. Let us remain steadfast in creating a strong, secure, and inclusive Pag-IBIG Fund that uplifts communities and ensures no Filipino is left behind in this era of Bagong Pilipinas.”

Pag-IBIG Fund recorded another banner year, with its 2024 net income reaching ₱67.52 billion—a 36% increase from ₱49.79 billion in 2023. The agency also surpassed the ₱1-trillion mark in total assets, closing the year at ₱1.069 trillion, another all-time high.

Department of Human Settlements and Urban Development Secretary Jose Rizalino Acuzar, who chairs the 11-member Pag-IBIG Fund Board of Trustees, underscored the agency’s outstanding performance and robust financial standing.  “Pag-IBIG Fund has once again marked 2024 as one of its best-performing years, achieving record highs in both total assets and net income. This accomplishment directly benefits our members, as we declared ₱55.65 billion in dividends—equivalent to 82.71% of our net income, exceeding the 70% dividend requirement by law,” Acuzar said. “With our strong performance, sound investments and robust finances, we are well-equipped to continue providing our members with responsive benefits, and advance our efforts under the Pambansang Pabahay para sa Pilipino Program, ensuring that more Filipino workers can access affordable homes.”

Meanwhile, Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta highlighted the agency’s record-setting performance in 2024. She noted that Pag-IBIG released ₱129.73 billion in home loans, helping 90,640 members acquire new or better homes. The agency also collected a total of ₱132.81 billion in membership savings—₱73.74 billion of which were voluntarily saved under Upgraded and MP2 Savings—and disbursed ₱70.33 billion in cash loans to assist more than 3.2 million members.

“Truly, when Pag-IBIG Fund performs well, our members benefit the most,” Acosta said. “We take great pride in our record-high achievements in 2024, which reflect our commitment to helping members achieve their dream of homeownership, find relief in trying times, and save for a brighter future. We remain steadfast in safeguarding our members’ contributions and ensuring they yield the best possible returns—because our members deserve nothing less than the highest level of public service and the most prudent stewardship of their hard-earned savings.”

Pag-IBIG Fund, inilunsad ang ‘1 Plus 1 Raffle Promo’ para sa mga OFW at self-employed member

ni Fely Ng @Bulgarific | Feb. 2, 2025

Hello, Bulgarians! Inilunsad ng Pag-IBIG Fund ang “Pag-IBIG 1 Plus 1 Raffle Promo,” isang inisyatiba na naglalayong hikayatin ang mas maraming overseas Filipino workers (OFWs), self-employed na indibidwal, online sellers at informal sector workers na magparehistro bilang miyembro at makaipon kasama ng Pag-IBIG Fund. 

Tatakbo hanggang Nob. 30, 2025, ang promo ay nagbibigay ng reward sa mga aktibong miyembro ng Pag-IBIG Fund na matagumpay na nagparehistro mula sa mga sektor na ito, na nagbibigay-daan sa mga programa at serbisyo upang makinabang ang mas maraming Pilipino.

Sinabi ni Secretary Jose Rizalino L. Acuzar ng Department of Human Settlements and Urban Development (DHSUD), namumuno sa 11-member Pag-IBIG Fund Board of Trustees, na ang mga OFW at mga manggagawa ng impormal na sektor ay lalong uma-access sa mga handog ng Pag-IBIG sa pamamagitan ng raffle initiative.

“Through the 1 Plus 1 Raffle Promo, we are able to reach more Filipino workers and provide them with avenues to save for their future and obtain affordable homes, especially under our Pambansang Pabahay Para sa Pilipino Housing (4PH) Program,” pahayag ni Acuzar. “This is in line with the directive of President Ferdinand Marcos Jr. to ensure that every Filipino, regardless of location or financial capacity, has a fair opportunity to own a home and secure a stable future,” aniya.

Sa ilalim ng 1 Plus 1 Raffle Promo, ang mga aktibong miyembro ng Pag-IBIG na nakaipon sa kanilang Pag-IBIG Regular Savings sa loob ng huling tatlong buwan ay tinutukoy bilang “PagIBIGfluencers” na maaaring mag-imbita ng kahit isang OFW o informal sector worker para maging bagong miyembro o muling i-activate ang Pag-IBIG membership (the“Plus 1”). Parehong makakakuha ang PagIBIGfluencer at ang Plus 1 ng eligibility para sa savings at housing loan programs ng ahensya, kung saan ang bawat kalahok ay may pagkakataong manalo ng hanggang P500,000 sa grand draw. 

Pinasimulan ng Pag-IBIG Fund ang programa upang higit na makinabang ang mga OFW, self-employed, at mga hindi gaanong naseserbisyuhan na bahagi ng manggagawa na, hindi tulad ng mga empleyado sa pribado at gobyerno, walang mga employer na magpaparehistro sa kanila. Ang sektor na ito ay hinahayaang magpatala ng sarili sa mga social security institutions.

Sinabi ni Pag-IBIG Fund Chief Executive Officer Marilene Acosta na higit sa 7,000 ang mga bago at reactivating na miyembro ang sumali na sa promo sa unang buwan nito, na nagpapataas ng membership at savings collection ng ahensya.

“The Pag-IBIG 1 Plus 1 Raffle Promo is more than just an incentive program – it is our way of recognizing and rewarding the trust and support of our members,” sabi ni Acosta. “Through this initiative, we reaffirm our commitment to making Pag-IBIG benefits more accessible to more Filipinos, while promoting the habit of regular saving. With Pag-IBIG, we continue to help Filipino workers turn their aspirations for financial stability and homeownership into reality.”

Ang mga interesadong sumali sa Pag-IBIG 1 Plus 1 Raffle Promo ay maaaring mag-sign up sa https://www.pagibigfundservices.com/1plus1/. 

Para sa karagdagang updates, ang opisyal na Pag-IBIG Fund Facebook page at ang Pag-IBIG Fund website ay nagbibigay ng pinakabagong balita.

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