Pag-IBIG Members’ Savings Surge 21%to Record ₱160.41 Billion in 2025; MP2 Savings Hit ₱83.51 Billion

by Info @Business | February 12, 2026

Pag-IBIG Fund members collectively saved a record ₱160.41 billion in 2025, marking a 21% increase from the previous year and the highest amount ever recorded in the agency’s history.

The agency said the milestone was driven largely by the continued growth of voluntary savings, particularly under its Modified Pag-IBIG II (MP2) Savings Program.

“Once again, our strong collections reflect the trust and confidence our members place in Pag-IBIG’s savings programs,” said Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees. “With ₱27.61 billion more savings collected in 2025 compared to the previous year, Pag-IBIG Fund’s solid financial position enables us to continue offering low-interest rates and to support the financing requirements of the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program of President Ferdinand R. Marcos Jr.”

Of the total savings collected in 2025, mandatory monthly contributions amounted to ₱66.80 billion. Notably, voluntary savings - funds saved by members with the agency that are over and above their required contributions - accounted for the larger share of total collections.

“Our members are saving more voluntarily, to the point that voluntary savings have already surpassed mandatory contributions,” said Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta. “Voluntary savings reached ₱93.60 billion, or 58% of our total savings collections. This is very encouraging because it shows that the culture of saving for the future remains strong among Pag-IBIG members.”

Acosta noted that members’ additional monthly contributions reached ₱10.09 billion, as more members opted to save above the required ₱200 monthly contribution. She attributed this to members’ growing appreciation of saving with Pag-IBIG Fund, supported by its consistent track record of competitive annual dividend rates.

She added that this same confidence continued to drive strong MP2 Savings participation, with collections reaching ₱83.51 billion for the year, making it the primary driver of voluntary savings growth.

“We are very pleased that MP2 Savings continues to encourage more Filipino workers to set aside money for their future,” Acosta said. “Through this program, we have helped our members appreciate the value of disciplined saving by offering a secure and rewarding savings option aligned with their short-term goals. In fact, a number of our MP2 savers, particularly retirees and pensioners, now call themselves ‘LODI,’ or ‘Living on Dividends,’ as they use their annual returns to help cover daily expenses. Our members can be assured that we will continue to manage their savings prudently and strive to provide the highest possible returns. That is Lingkod Pag-IBIG at work.”

More Filipino workers secure homes as Pag-IBIG housing loan releases hit P140.54 billion in 2025

by Info @Business | January 21, 2026

Pag-IBIG Fund officials announced that the agency’s housing loan releases reached P140.54 billion in 2025, an 8% increase from P129.73 billion released in 2024. The agency’s home loan programs benefited 90,727 Filipino workers to buy a housing unit or finance home construction, renovation or improvement.

Recently cited by President Ferdinand R. Marcos Jr. during the National Housing Expo last October for its efforts to expand access to affordable housing in the country, the agency said the milestone reflects sustained momentum in affordable housing finance.

“We are pleased to report that Pag-IBIG Fund’s housing loan accomplishment in 2025 reflects our sustained work under the Expanded Pambansang Pabahay para sa Pilipino Program, or Expanded 4PH, to help more Filipino workers secure decent homes,” said Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who also chairs the 11-member Pag-IBIG Fund Board of Trustees. “This supports President Marcos Jr.’s directive to accelerate the delivery of affordable housing by keeping financing accessible to our fellow Filipinos. We will build on these gains in 2026 by working even more closely with our shelter partners to speed up loan releases and help more Filipino families move into their own homes.”

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the agency’s housing loan programs are designed to keep homeownership affordable for Pag-IBIG Fund members in the Philippines and abroad, while supporting the government’s goal of uplifting the lives of Filipinos through access to decent shelter.

Of the total housing loans released, the agency said 7,056 Expanded 4PH socialized housing units worth P7.63 billion were financed by the program’s subsidized 3% interest rate. It also cited 4,811 housing units worth P6.2 billion financed under its 4.5% promotional rate for loans of up to P1.8 million.

“Pag-IBIG Fund remains fully aligned with the directive of President Marcos Jr. to expand access to quality and affordable housing, especially for minimum wage earners and middle-income members,” Acosta said. “As the largest single source of home mortgage financing in the country, we recognize our role in helping more Filipino workers secure safe, decent homes through home loans that remain affordable and responsive to their needs.”

She added that last year, Pag-IBIG Fund rolled out home loan programs addressing members’ varying needs, including subsidized and promotional rates for eligible borrowers, as well as financing for home repair and improvement.

Under the Pag-IBIG Housing Loan for the Expanded 4PH, qualified local members and all Overseas Filipino Workers who are first-time homebuyers may avail themselves of loans to purchase socialized housing units at a subsidized 3% annual interest rate for the first five years, extendible for another five years for qualified borrowers. The subsidized rate lowers monthly payments to P4,005 for house-and-lot units priced up to P950,000, and about P8,432 for condominium units priced up to P2 million. Pag-IBIG Fund Acquired Assets that fall within the socialized housing price ceilings are also included. Through the Early Bird Promo, the first 30,000 qualified borrowers may enjoy the subsidized rate for the first 10 years of the loan.

Pag-IBIG Fund also offers a 4.5% promotional rate for qualified local members and all Overseas Filipino Workers who are first-time homebuyers on loans of up to P1.8 million, making monthly payments more affordable. Under the offer, a P1.8 million loan payable over 30 years carries a monthly amortization of P9,120.34, compared with P11,082.91 at the regular 6.25% rate, allowing members to save nearly P2,000 a month, or about P71,000 over the first three years of the loan. This loan may be used for the purchase of a residential house and lot, a residential lot, the construction or completion of a home, home improvement, or the purchase of a Pag-IBIG Fund Acquired Asset.

For members who seek to improve their current homes, Pag-IBIG Fund offers the Pag-IBIG Home Improvement Loan, which allows qualified members to borrow up to P300,000 for repairs or home upgrades, payable within five years. With minimal documents and simplified requirements, members can apply more easily, the agency said. The loan is currently offered at a promotional rate of 3% per annum for the first 10,000 borrowers.

Pag-IBIG keeps low 3% rate as higher price ceilings lift quality of socialized homes

by Info @Business | January 6, 2026

MANILA, Philippines — Filipino workers are expected to benefit from better-quality socialized housing following the government’s approval of higher price ceilings for socialized subdivision and condominium projects, while Pag-IBIG Fund continues to provide affordability through its subsidized housing loan rates under the Expanded Pambansang Pabahay para sa Pilipino (Expanded 4PH) Program.

The updated ceilings, issued under the Implementing Rules and Regulations of the Department of Human Settlements and Urban Development (DHSUD) and the Department of Economy, Planning, and Development (DEPDev) Joint Memorandum Circular No. 2025-001, are intended to reflect current cost conditions and enable developers to deliver improved unit quality and safer housing standards.

“Under President Ferdinand R. Marcos Jr.’s housing agenda, our goal is clear. Filipino workers should have access to homes that are safe, decent and built to last, and that remain within their reach,” DHSUD Secretary Jose Ramon P. Aliling said. “By updating the price ceilings, we are aligning project prices with today’s cost conditions so developers can build better socialized housing units and sustain construction. This strengthens the housing industry’s capacity to deliver more homes at scale, while keeping Expanded 4PH firmly focused on affordability to make homeownership more attainable for Filipinos.”

Under the IRR, the maximum selling price for socialized house-and-lot units has been adjusted to P844,440 for a minimum unit size of 24 to 26 sq. m., and P950,000 for 27 sq. m. and above.

For socialized condominium projects, price ceilings were also updated based on building classification and unit size, with maximum selling prices set at up to P1.8 million for projects above five floors with unit sizes of 27 sq. m. and above.

For eligible socialized condominium projects in the National Capital Region and other highly urbanized cities, the IRR also allows maximum add-ons based on zonal value of up to P200,000, bringing the allowable maximum selling price for select categories to as high as P2.0 million.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the Fund will continue to support Expanded 4PH by keeping housing loan terms affordable for qualified members, in line with President Marcos Jr.’s push to expand access to homeownership. She added that Pag-IBIG Fund will work closely with housing stakeholders, including partner developers, to help speed up unit production and takeouts under the program.

“Our strong fiscal position allows us to continue offering subsidized rates under the Expanded 4PH so our members can truly achieve their dream of owning a home,” Acosta said. “Even as better socialized homes become available under the new ceilings, we will keep loan terms affordable and work closely with our partners to help fast-track the availability of more housing units for Filipino workers.”

Under the Pag-IBIG Housing Loan for the Expanded 4PH, qualified members may avail of loans at a subsidized 3% interest rate for the first five years of the loan, extendible for another five years for qualified borrowers. This lowers monthly payments to P4,005 for house-and-lot units priced up to P950,000, and about P8,432 for condominium units priced up to P2 million. Through the agency’s Early Bird Promo, the first 30,000 qualified borrowers may enjoy the subsidized rate for the first 10 years of the loan.

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