President Ferdinand R. Marcos Jr. highlighted the gains achieved by the Department of Human Settlements and Urban Development and Pag-IBIG Fund under the Expanded Pambansang Pabahay para sa Pilipino Program during his 2026 State of the Nation Address, reporting that more than 500,000 homes have been built or financed under the administration’s flagship housing program.
Pag-IBIG Fund contributed to this accomplishment by providing affordable home financing to qualified members. Under the Marcos Administration, Pag-IBIG Fund has so far released ₱517.45 billion in home loans that financed 379,294 housing units, based on its latest available data. It has also advanced Expanded 4PH by broadening its partnerships with private developers and government agencies to increase the supply of homes suited to members’ needs, offering Pag-IBIG Fund Acquired Assets as an additional affordable homeownership option, and lowering financing rates to reduce monthly amortizations and make homeownership more attainable for more Filipino families.
“Sa ating programang pabahay, higit limang daang libong bahay ang ating naitayo na at napondohan, kasama ang higit isang daang libong bahay na naidagdag natin sa loob lamang ng isang taon sa ilalim ng pinalawig natin na 4PH program,” President Marcos said.
“Nariyan ang DHSUD at mga ahensyang kasapi sa sistema ng pabahay upang matupad ang pinapangarap na tahanan ng Pilipino. Katuwang ang pribadong sektor at lokal na pamahalaan, puspusan nating pinupuno ang kakulangan sa pabahay sa buong bansa. Ito ay ginagawa natin sa pamamagitan ng mga bagong komunidad, mga acquired assets ng Pag-IBIG Fund, Community Mortgage Program, resettlements, at pati na mga paupahan,” he also said.
The President also underscored the central role of affordable financing in turning available housing into homes that Filipino families can own.
“Susi sa lahat ng ito ang magandang sistema ng pautang, upang gawing mas abot-kaya ang mga pabahay para sa mga Pilipino. Isa na rito ang Pag-IBIG Fund. Ang kanyang labimpitong milyong miyembro ngayon ay patuloy pang dumadami, kung kaya ang pinupundar ng mga miyembro ay patuloy ding lumalago,” Marcos emphasized.
“Ngayon, itinaas natin sa sampung milyong piso ang limit sa pautang para sa pabahay. Halimbawa, dahil dito, ang mag-asawa ay mas may kakayahang bumili ng pinapangarap nilang bahay para sa kanilang pamilya,” he added.
Under Expanded 4PH, Pag-IBIG Fund continues to offer a subsidized 3% rate for socialized housing loans, helping minimum-wage and low-income earners afford their own homes. To further serve members from the middle class, the maximum housing loan amount has been raised to ₱10 million, giving them access to a broader range of homes suited to their household needs. Pag-IBIG Fund is also offering promotional rates of 4.5% for loans above the socialized housing limit up to ₱4.9 million and 5.75% for loans above ₱4.9 million until year-end. Together, these measures broaden access to homeownership by providing more affordable financing options for members across income segments.
President Marcos likewise emphasized the importance of social-protection institutions such as Pag-IBIG Fund in providing long-term security to Filipino workers. He said Pag-IBIG Fund, together with SSS and GSIS, enables workers to save for their future, receive assistance during emergencies, calamities and other periods of need, and build toward owning an affordable home under Expanded 4PH.
DHSUD Secretary Jose Ramon P. Aliling said the President’s recognition affirms that the directives pursued under Expanded 4PH are translating into more homes, stronger private-sector partnerships and more affordable housing financing through Pag-IBIG Fund for Filipino families.
“Ang mahigit limang daang libong tahanang naitayo o napondohan sa ilalim ng programang pabahay ng Marcos Administration nitong nakaraang apat na taon ay hindi lamang bilang. Nangangahulugan ito na mas maraming pamilyang Pilipino ang nabigyan ng pagkakataong magkaroon ng sariling tahanan at bumuo ng mas maayos, mas ligtas at mas matatag na kinabukasan sa ilalim ng Expanded 4PH. Alinsunod sa mga direktiba ng Pangulo, patuloy nating patitibayin ang pakikipagtulungan sa pribadong sektor at mga kapwa ahensya sa pamahalaan, palalawakin ang mga programang tumutugon sa pangangailangan sa pabahay ng ating mga kababayan, at pananatilihing abot-kaya ang pautang para sa pabahay upang mas marami pang pamilyang Pilipino ang makamit ang pangarap na magkaroon ng sariling tahanan,” Aliling said.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the President’s recognition reflects how members’ continued trust, together with prudent and responsible management, has strengthened Pag-IBIG Fund and enabled it to keep housing financing affordable while helping more Filipino families achieve homeownership.
“Lubos kaming nagpapasalamat kay Pangulong Marcos sa kanyang pagkilala sa mahalagang papel ng Pag-IBIG Fund sa pagtulong sa mga manggagawang Pilipino na makapag-ipon at magkaroon ng sariling tahanan. Nagagawa natin ito dahil sa patuloy na tiwala at pakikibahagi ng ating mga miyembro at sa matatag na kalagayang pinansyal ng Pag-IBIG Fund,” she said.
“Makakaasa po ang ating Pangulo at lahat ng ating mga miyembro na patuloy naming pamamahalaan nang maingat at responsable ang Pag-IBIG Fund upang mapangalagaan at mapalago ang kanilang ipon, mapanatiling abot-kaya ang ating housing loans, at matulungan ang mas marami pang pamilyang Pilipino na magkaroon ng sariling tahanan,” Acosta added.
