Mas MALAKI ang Contribution, Mas MALAKI ang Ipon!

The Best Time to Save? NGAYON NA! 🤗​

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Mas maaga ka magsimula mag-save, mas malaki ang maiipon mo! With Pag-IBIG Regular Savings, your money grows over time with dividends — kaya kung mag-top up ka ng contributions mo ngayon pa lang, mas lalaki ang returns mo in the future! ​

Time + Consistency = Bigger Ipon ​

Kaya wag na ipagpabukas ang pag-iipon. Top up your savings today — para secured ang future mo! ​

More Filipino Workers Secure Homes as Pag-IBIG Housing Loan Releases hit P140.54 Billion in 2025

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.

Source: Pag-IBIG Fund News

Statement of Comprehensive Income ng HOME DEVELOPMENT MUTUAL FUND (Pag-IBIG Fund)

Statement of Comprehensive Income ng HOME DEVELOPMENT MUTUAL FUND (Pag-IBIG Fund).

Added last years figures for comparison.

Keep on savings po, lalo na ngayon lapit na 13th month pay.

Happy Savings po sa lahat🥰💞

Step-by-Step Guide How to Register for Pag-IBIG Membership Using your National ID

✨ Another Digital Milestone from your Lingkod Pag-IBIG! ✨

Pag-IBIG Fund has formalized its partnership with the Philippine Statistics Authority (PSA) through the National ID Authentication Services during a ceremonial signing at the PSA Complex in Quezon City on Thursday, Sept. 11. 

With PhilSys integration, Pag-IBIG can now authenticate members’ identities using their National ID, ensuring secure, paperless, and seamless transaction for its online membership registration. 

This initiative supports the Marcos administration’s push for digitalization and in response to the call of Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling to fully embrace digital transformation under his 8-point housing agenda.

“By harnessing the power of the National ID and combining it with Pag-IBIG Fund’s digital innovations, we make transacting with government not just faster and more efficient, but also more secure. Together with the PSA, we are bringing government service faster, safer, and more convenient for every Filipino worker. This is part of our continuing digital transformation journey. Looking ahead, we aim to make transactions even simpler, so that members won’t have to secure PSA documents themselves, because Pag-IBIG will do it for them. This is what we will work on next,” said Pag-IBIG Fund CEO Marilene C. Acosta.

Try out the new upgrade now! Watch the step-by-step guide below to register for Pag-IBIG membership using your National ID ⤵️

Abot-kayang pabahay? Iyan ang hatid ang Pag-IBIG Fund

Abot-kayang pabahay? Iyan ang hatid ang Pag-IBIG Fund. 🏠

Inilunsad na ng Pag-IBIG Fund ang acquired assets super sale para sa 30-K foreclosed properties para sa mas murang halaga. Ang hakbang na ito ay bahagi ng inisyatiba ng ahensya sa ilalim ng Expanded Pambansang Pabahay sa Pilipino Program (4PH).

Aabot hanggang 35% ang diskwento para sa unoccupied units habang hanggang 40% naman para sa occupied units.

Interested sa Pag-IBIG Acquired Assets Super Sale? Ito ang step-by-step guide para makatipid ng up to 40% sa acquired assets 👇

Para sa detalye, BISITAHIN:
https://www.pagibigfund.gov.ph/acquiredassets.html

Pag-IBIG Fund Rolls out Special 3% Loan Rate Under Expanded 4PH to Make Housing more Affordable

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.“

Pag-IBIG Fund Offers Housing Loan Moratorium in Calamity-Hit Areas, Heeds President Marcos' Call to Extend Assistance

Pag-IBIG Fund has offered a one-month moratorium on housing loan payments to assist members affected by Severe Tropical Storms Crising, Dante, Emong and the Southwest Monsoon, as part of its continuing response to President Ferdinand R. Marcos Jr.'s call to deliver swift and responsive relief to calamity-stricken members.

Pag-IBIG Housing Loan borrowers residing or working in areas officially declared under a state of calamity – including Manila, Quezon City, Cebu City, Marikina City, Malabon City, Dagupan City, the province of Cavite, Calumpit in Bulacan, Sebaste and Barbaza in Antique, Calasiao and Umingan in Pangasinan, and Cainta in Rizal – may apply for the moratorium to help ease their financial burdens and redirect their resources toward urgent recovery needs. Additional areas that may be declared under a state of calamity in the coming days will also be covered.

“Pag-IBIG Fund stands in full support of President Marcos' directive to extend immediate assistance to our fellow Filipinos affected by Typhoons Crising, Dante and Emong and the heavy monsoon rains,“ 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. “This one-month moratorium on housing loan payments reflects our commitment to compassionate governance and our determination to help affected members rebuild their lives during these difficult times.“

Under Pag-IBIG Fund's One-Month Housing Loan Payment Moratorium, qualified borrowers will have their monthly amortizations or installment payments temporarily suspended for one month, without incurring penalties or additional interest. Loan terms will be extended accordingly, with all other conditions, including interest rates, remaining unchanged.

Eligible housing loan borrowers may file their applications until August 24, 2025, either online through the agency's Virtual Pag-IBIG platform or by visiting any Pag-IBIG Fund branch. No processing fee will be charged.

This follows the agency's earlier announcement that its Calamity Loan Program is now open for members in areas declared under a state of calamity, and that Housing Loan Insurance claims are available for borrowers with damaged homes financed through Pag-IBIG Fund.

“Our priority is to reduce the financial burden on our members as they recover from the impact of recent calamities,“ said Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta. “This housing loan moratorium provides immediate relief so they can focus on their families, safety, and rebuilding. We understand what it means to face uncertainty after a disaster, and that is why we are here. We are ready to assist, to serve, and to provide not only financial support, but peace of mind to our members. Through our moratorium, calamity loan, and housing insurance services, Pag-IBIG Fund remains a dependable partner in every Filipino worker's path to recovery.“