by Info @Brand Zone | August 6, 2026
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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.
by Info @Business | December 18, 2025
Pag-IBIG Fund has entered into a partnership with Megawide Construction Corp. to accelerate the delivery of 7,143 housing units in medium-rise residential developments under the government’s Expanded Pambansang Pabahay para sa Pilipino Program, or Expanded 4PH. Pag-IBIG Fund said the homes are expected to be priced below typical market prices for comparable units, bringing them within the socialized housing range, with amenities more commonly found in higher-priced developments, and be available within two to three years.
The partnership will cover two initial sites in Dasmariñas, Cavite, consisting of 4,185 housing units in the Dasmariñas-Salitrán site and 2,958 housing units in the Dasmariñas-Paliparan site, supporting the national government’s push to scale socialized housing through greater private sector participation and faster project delivery.
Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, chair of the Pag-IBIG Fund Board of Trustees, said the partnership is designed to expand the supply of socialized homes while enabling faster construction and more accessible pricing for Filipino families.
“This approach supports the directive of President Ferdinand R. Marcos Jr. to widen access to practical homeownership options for Filipino families by enabling the private sector to build faster and at scale under the Expanded 4PH,” Aliling said. “By strengthening partnerships that increase housing supply, we help create more opportunities for Filipino workers and their families to move closer to homeownership. We hope this will further stimulate private sector participation in building affordable homes.”
Megawide is a leading Philippine engineering and construction company and a strong government partner in public-private partnerships, with extensive experience and track record in delivering large-scale projects.
Under the partnership, Pag-IBIG Fund will invest up to P10 billion through a subscription to preferred shares in the project company, to be funded in three tranches: P5 billion for the first tranche, and P2.5 billion each for the second and third tranches. The preferred shares carry 9 percent annual cash dividends, payable annually, with a step-up to 18 percent if the shares are not redeemed.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the investment advances Pag-IBIG Fund’s twin mandate to expand homeownership opportunities for Filipino workers and to prudently manage members’ savings so these continue to earn and grow.
“Every peso our members save with Pag-IBIG Fund represents their hard-earned money and their hope for a better future,” Acosta said. “By supporting the development of thousands of housing units while securing investment returns, we strengthen Pag-IBIG Fund’s capacity to serve more members, grow their savings and promote homeownership.”
Acosta added that the partnership model aims to demonstrate how structured and secured investments can encourage broader private sector engagement in housing, helping accelerate project rollouts and expand the inventory of affordable, ready-for-occupancy homes.
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