Calamity Loan Program para sa mga Pag-IBIG Fund member na apektado ng bagyo

ni Fely Ng @Bulgarific | July 28, 2025

Hello, Bulgarians! Alinsunod sa direktiba ni Pangulong Ferdinand Marcos, Jr. na maghatid ng agarang suporta sa mga Pilipino sa mga lugar na sinalanta ng kalamidad, agarang pinakilos ng Pag-IBIG Fund ang Calamity Loan Program nito para tulungan ang mga miyembrong naapektuhan ng Typhoon Crising.

“We are ready to assist our members affected by Typhoon Crising through the Pag-IBIG Calamity Loan,” pahayag ni Secretary Jose Ramon P. Aliling, namumuno sa Department of Human Settlements and Urban Development at chairperson ng 11-member Pag-IBIG Fund Board of Trustees. “We continue to closely monitor developments and are prepared to provide immediate aid in areas that may be declared under a state of calamity in the coming days. This is part of our continuing effort in heeding the call of President Marcos to deliver timely relief and support to those in need,” aniya.

Sa ilalim ng Pag-IBIG Calamity Loan Program, ang mga kwalipikadong miyembro ay maaaring humiram ng hanggang 90% ng kanilang kabuuang Pag-IBIG Savings, na binubuo ng kanilang buwanang savings, employer counterpart contributions, at earned dividends. Ang loan ay may interest rate na 5.95% kada taon, ang pinakamababa para sa mga cash loan sa merkado, at babayaran sa loob ng hanggang tatlong taon, na may tatlong buwang palugit bago ang unang pagbabayad. Ang mga miyembro ay maaaring maghain ng kanilang loan application sa loob ng 90 araw mula sa pagdeklara ng state of calamity sa kanilang lugar.

Samantala, sinabi naman ni Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta na ang mga sangay ng Pag-IBIG ay nakikipag-ugnayan na ngayon sa mga local government unit sa kani-kanilang lugar para sa deployment ng mobile branch ng ahensya, ang Lingkod Pag-IBIG On-Wheels, upang tumanggap ng mga loan application mula sa mga miyembro, gayundin ang insurance claims mula sa mga kasalukuyang Pag-IBIG Housing Loan borrower na ang mga ari-arian ay nasira dahil sa bagyo.

“When calamities strike, we at Pag-IBIG understand that our members in affected areas need immediate financial assistance. For this reason, we make sure that all our services and benefits remain accessible to our members. Even while our offices and personnel in typhoon-hit areas have also been affected, our branches remain open and are ready to receive loan applications and housing loan insurance claims. We are also set to deploy our Lingkod Pag-IBIG On-Wheels to initially go around these areas once roads are accessible, to further bring our services closer to our members who are most in need. And, for members who have internet access, the Virtual Pag-IBIG is ready to accept their Calamity Loan applications online. During these trying times, our members can continue to count on Lingkod Pag-IBIG,” saad ni Acosta.

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Pag-IBIG Fund rolls out special 3% loan rate under Expanded 4PH to make housing more affordable

by Info @Brand Zone | July 25, 2025

File Photo: Pambansang Pabahay para sa Pilipino 4PH - Pag-IBIG

Pag-IBIG Fund announced Friday, July 25, that it is offering a special subsidized interest rate of 3 percent per annum for the first five years of housing loans under the Expanded Pambansang Pabahay para sa Pilipino (Expanded 4PH) Program. The special rate is available to eligible members from the lowest income segments up to the seventh income decile, as well as all overseas Filipino workers, for the purchase of socialized housing units — which now include house-and-lot units, condominium units, and Pag-IBIG Acquired Assets.

The initiative supports President Ferdinand R. Marcos Jr.’s directive to expand access to affordable and dignified housing, in line with the administration's Bagong Pilipinas vision.

“We are pleased to report that Pag-IBIG Fund has once again stepped forward in its commitment to helping more Filipinos secure dignified homes,” said Secretary Jose Ramon P. Aliling, head of the Department of Human Settlements and Urban Development (DHSUD) and chairperson of the Pag-IBIG Fund Board of Trustees. “Together with the enhancements under the Expanded 4PH Program - which now covers both vertical and horizontal housing developments - Pag-IBIG Fund’s wider home financing options ensure that more Filipinos can finally achieve homeownership. This is our solid commitment to President Marcos’ vision of providing decent shelter through a sustainable housing program under the Bagong Pilipinas banner.”

Aliling also cited the support from the private sector, noting that developers have committed to building more than 250,000 socialized housing units nationwide under the Expanded 4PH Program, significantly accelerating the government’s housing efforts.

Under the Pag-IBIG Housing Loan for the Expanded 4PH Program, first-time homebuyers - particularly those earning less than 47,856 pesos per month in the National Capital Region and less than 34,686 pesos outside NCR - may avail of the subsidized 3 percent interest rate for the first five years of the loan. All overseas Filipino workers, regardless of income, also qualify for the special rate. The loan may be used to purchase quality socialized house-and-lot units and condominium units under accredited Expanded 4PH projects, priced up to 850,000 pesos and 1.8 million pesos, respectively. It may also be used to purchase Pag-IBIG Acquired Assets with net selling prices that fall within these ceilings. The program further offers additional financing of up to 100,000 pesos for home improvements, such as utility connections and home fixtures, and provides a 100 percent loan-to-value ratio, meaning borrowers are not required to provide cash equity.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta emphasized that the agency’s ability to offer low interest rates stems from its strong collection efficiency, eliminating the need for external borrowing. She added that the initiative aligns with Pag-IBIG Fund’s 10-year plan to deliver double-digit dividends on members’ savings while allocating half of its housing portfolio to loans with a 3% interest rate through efficient asset management.

“We at Pag-IBIG Fund remain fully committed to fulfilling our twin mandates: promoting savings and providing affordable home financing for Filipino workers,” Acosta said. “Our robust financial position allows us to extend this special subsidized rate under the Expanded 4PH Program, enabling even more members - including private-sector workers, government employees, uniformed personnel, OFWs, self-employed individuals, and informal-sector workers - to achieve sustainable homeownership. This initiative significantly advances our goal of making Pag-IBIG Fund even more impactful in the lives of Filipino workers, fully supporting President Marcos’ vision of a Bagong Pilipinas.”

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

Pag-IBIG Fund heeds PBBM’s call, mobilizes Calamity Loan for members affected by Typhoon Crising

by Info @Brand Zone | July 23, 2025

File Photo: Bagyong #CrisingPH - MDRRMO Rizal

Pag-IBIG Fund has mobilized its Calamity Loan Program to assist members

affected by Typhoon Crising, in line with the directive of President Ferdinand

Marcos, Jr. to deliver immediate support to Filipinos in disaster-hit areas.

“We are ready to assist our members affected by Typhoon Crising through the

Pag-IBIG Calamity Loan,” 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. “We continue to closely

monitor developments and are prepared to provide immediate aid in areas that

may be declared under a state of calamity in the coming days. This is part of our

continuing effort in heeding the call of President Marcos to deliver timely relief

and support to those in need.”

Under the Pag-IBIG Calamity Loan Program, qualified members may borrow up

to 90% of their total Pag-IBIG Savings, which consist of their monthly savings,

employer counterpart contributions, and earned dividends. The loan carries an

interest rate of 5.95% per annum, the lowest for cash loans in the market, and is

payable over a period of up to three years, with a three-month grace period

before the first payment is due. Members may file their loan applications within

90 days from the declaration of a state of calamity in their area.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, meanwhile, stated

that Pag-IBIG branches are now in coordination with local government units in

their respective areas for the deployment of the agency’s mobile branch, the

Lingkod Pag-IBIG On-Wheels, to receive applications for loans from members,

as well as insurance claims from current Pag-IBIG Housing Loan borrowers

whose properties have been damaged due to the typhoon.

“When calamities strike, we at Pag-IBIG understand that our members in affected

areas need immediate financial assistance. For this reason, we make sure that

all our services and benefits remain accessible to our members. Even while our

offices and personnel in typhoon-hit areas have also been affected, our branches

remain open and are ready to receive loan applications and housing loan

insurance claims. We are also set to deploy our Lingkod Pag-IBIG On-Wheels to

initially go around these areas once roads are accessible, to further bring our

services closer to our members who are most in need. And, for members who

have internet access, the Virtual Pag-IBIG is ready to accept their Calamity Loan

applications online. During these trying times, our members can continue to

count on Lingkod Pag-IBIG,” said Acosta. (END)

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