Pag-IBIG Fund continues to make homeownership more affordable for Filipino workers under President Ferdinand R. Marcos Jr.’s Expanded Pambansang Pabahay para sa Pilipino (Expanded 4PH) Program by maintaining low housing loan rates amid a lending environment expected to push commercial borrowing costs higher.
The agency emphasized its commitment to keep homeownership within reach through a subsidized 3 percent rate for qualified socialized housing borrowers, special promotional rates and a higher ₱10-million housing loan limit. Pag-IBIG is also expanding partnerships with more of the country’s leading residential developers to offer members more suitable homes. Together, these measures assure members that affordable financing remains available as they continue pursuing their plans to buy a home.
Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Board of Trustees, said these measures give Filipino workers a practical and affordable way to continue pursuing homeownership even if commercial loans become more expensive.
“With commercial housing loans expected to become more expensive, the Pag-IBIG Housing Loan becomes all the more important in helping Filipino workers continue with their plans to own a home. Our members can always rely on Pag-IBIG for affordable financing. With our low rates and housing loans of up to ₱10 million, they can choose a home that suits their family, fits their budget and can be paid for affordably over time,” Aliling said. “And that is what President Ferdinand R. Marcos Jr. has directed us to accomplish under the Expanded 4PH. To ensure that every Filipino worker has a fair chance to own a home through financing that remains affordable and within reach.”
Aliling’s assurance stems from Pag-IBIG Fund’s continuing efforts to keep home financing affordable under Expanded 4PH. Qualified socialized housing borrowers may avail themselves of the subsidized rate of 3 percent, while members purchasing homes above the socialized housing ceiling may qualify for the promotional rate of 4.5 percent on loans of up to ₱4.9 million, or 5.75 percent on loans above ₱4.9 million and up to ₱10 million. By enabling more members to continue with their plans to buy a home, these affordable financing options also sustain genuine homebuyer demand and help stimulate activity across the housing industry.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, meanwhile, said the agency builds on this homebuyer demand through a comprehensive approach that combines affordable financing with partnerships with leading residential developers. This widens members’ housing choices and gives developers access to a broader market of qualified buyers.
“When Filipino workers have access to affordable financing, developers gain a stronger market for the homes they build. By partnering with more of the country’s leading residential developers, we help sustain this demand while giving our members more homes to choose from, so they can find one that suits their family and fits their budget,” Acosta said.
Pag-IBIG recently entered into housing partnerships with Avida Land Corp. and Amaia Land Corp., two residential brands of Ayala Land, to identify projects and units that qualified members may purchase through Pag-IBIG Housing Loans, with more of the country’s leading residential developers expected to follow. These partnerships complement the agency’s nationwide network of nearly 500 accredited developers, further expanding the housing options available to members and connecting the industry with more qualified homebuyers.
Acosta added that Pag-IBIG’s strong financial position, built through the prudent management of members’ savings, allows the agency to maintain low housing loan rates over the long term.
“Our members work hard for every peso they save with Pag-IBIG, and we manage their funds with the highest degree of care and prudence. This disciplined approach keeps Pag-IBIG financially strong and allows us to offer housing loans at rates our members can afford while continuing to protect and grow their savings,” Acosta added. Pag-IBIG Fund’s performance during the first seven months of 2026 reflects this strength. Members collectively saved ₱127.29 billion, while housing loan collections reached ₱60.80 billion, up 35 percent and 11 percent, respectively, from the same period last year. Housing loan releases rose 19 percent to ₱84.36 billion, financing 52,374 homes, up 13 percent. Socialized housing posted the strongest growth, with ₱8.17 billion financing 7,803 units, representing increases of 119 percent in loan value and 131 percent in homes financed.
