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.“

Pag-IBIG Fund Heeds PBBM's Call, Mobilizes Calamity Loan for Members Affected by Typhoon Crising

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.

Pag-IBIG Fund Earns 13th Straight Unmodified Opinion from COA

Pag-IBIG Fund has earned its 13th consecutive Unmodified Opinion from the Commission on Audit (COA), reaffirming its commitment to excellence in financial management, sound governance practices, and consistent compliance with accounting and auditing standards, officials announced on Tuesday, July 1.

The latest audit opinion followed COA's comprehensive review of Pag-IBIG Fund's financial statements and operations for the year 2024. The review confirmed that the agency's transactions were properly conducted in accordance with applicable laws and regulations, and that its financial statements were fairly presented, in all material respects, in line with relevant government accounting and reporting standards.

“This is further proof that Pag-IBIG Fund has been, and continues to be, managed with professionalism, prudence, and integrity,“ 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. “It is a testament to how Pag-IBIG Fund upholds the highest standards in managing our members' hardearned savings and in fulfilling its mandate to serve the Filipino worker. This achievement also reflects Pag-IBIG Fund's strong position, as it plays a key role in the administration's flagship Expanded Pambansang Pabahay para sa Pilipino (4PH) Housing Program. We remain committed to the directive of President Ferdinand Marcos Jr. to build a more secure, resilient, and prosperous future for every Filipino family.“

COA had previously issued unqualified opinions on Pag-IBIG Fund from 2012 to 2017 and unmodified opinions from 2018 to 2024. With this latest result, Pag-IBIG Fund joins a short list of Philippine government agencies and GOCCs that have consistently received unqualified and unmodified opinions for over a decade, a noteworthy distinction that underscores its sustained fiscal discipline and commitment to transparency.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta likewise emphasized the significance of this recognition, highlighting how it reflects the agency's outstanding performance and service delivery in 2024.

“Pag-IBIG Fund exceeded the one-trillion-peso mark in total assets and posted a historic net income of P66.78 billion last year. We also achieved all-time highs in our housing loan releases, cash loan disbursements, and loan collections, enabling more Filipino workers to access affordable home financing and meet their short-term financial needs. Earning COA's Unmodified Opinion for the 13th consecutive year affirms that we accomplished all these while upholding the highest standards of integrity, in line with President Marcos Jr.'s call for excellence and accountability in public service,“ said Acosta.

“This recognition reinforces our members' trust, knowing that their savings are safe, protected, and responsibly managed. We will continue to serve them with Tapat na Serbisyo, Mula sa Puso, and remain focused on sustaining this track record of integrity in the years ahead,“ she added.

The unmodified opinion from COA adds to the list of recognitions earned by Pag-IBIG Fund from governing bodies for its excellence in public service last year. In 2024, Pag-IBIG Fund was also named as one of the top-performing government firms for good governance by the Governance Commission for GOCCs (GCG). Pag-IBIG Fund also earned a satisfaction rating of 99.52% in its 2024 Client Satisfaction Measurement, in accordance with the standards set by the Anti-Red Tape Authority (ARTA) and the GCG.

Pag-IBIG Regular Savings: The Value of Topping Up Your Pag-IBIG Savings!

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! ​

#StartSavingNow ​

#PagIBIGRegularSavings ​

#IponGoals

Pag-IBIG MPL, mas Pinalaki at mas Pinadali ang Pag-qualify para sa mga Miyembro

Pag-IBIG MPL, mas pinalaki at mas pinadali ang pag-qualify para sa mga miyembro

Mas pinahusay ng Pag-IBIG Fund ang Multi-Purpose Loan (MPL) nito upang mas malaki na ang maaaring mahiram ng mga miyembro, mas maikli na ang panahon upang mag-qualify, at mas maraming pagpipiliang repayment terms. Ayon sa ahensya, ang mga pagbabagong ito ay bunsod ng patuloy nitong pagtugon sa mga pangagailangan ng mga miyembro nito.

Sa ilalim ng mas pinagbuting Pag-IBIG MPL, maaari nang makahiram ang mga miyembro ng hanggang 90% ng kanilang kabuuang Pag-IBIG Regular Savings—mas mataas ng 12.5% kumpara sa dating 80%. Para sa mga miyembro dinagdagan at inupgrade ang kanilang regular savings, lalo pang tataas ang kanilang loan amount dahil nakabase sa kanilang ipon ang kanilang mahihiram. Sa kabuuan, mas malaki ang maaaring matanggap ng mga miyembro mula sa MPL upang lalong makatugon sa kanilang pangangailangan. Ang mga pagbabagong ito—mas mataas na halaga at mas mabilis na eligibility—ay ipatutupad din sa iba pang Short-Term Loan programs ng Pag-IBIG, tulad ng Health and Education Loan Programs (HELPS) at Calamity Loan.

Bukod sa mas malaking loan amount, mas pinaiksi rin ang panahon para maging eligible ang mga miyembro. Sa ilalim ng pinahusay na programa, maaari nang mag-loan ang mga aktibong miyembrong may 12 buwang hulog sa Pag-IBIG – mas mabilis ito kumpara sa dating requirement na 24 buwan. Dahil dito, mas maaga nang makaka-access ng pondo ang mas maraming miyembro para sa kanilang mga agarang pangangailangan. Samantala, ang mga miyembrong may existing loan sa ilalim ng dating guidelines ay maaari ring mag-apply muli sa enhanced MPL kung kailangan pa nila ng karagdagang cash dahil sa mas mataas na loan entitlement. Ang mga pagbabagong ito ay magiging available simula Mayo 16.

Kabilang din sa mga pagbabago sa Pag-IBIG MPL ang bagong one-year repayment term bilang dagdag na opsyon sa existing na two at three-year terms nito. Nagbibigay ito ng karagdagang flexibility para sa mga miyembro, upang lalong maiakma ang buwanang bayad sa loan sa kanilang financial capacity.

Pag-IBIG Fund wins 2025 ADFIAP Award for Technology Development​

Pag-IBIG Fund wins 2025 ADFIAP Award for Technology Development​

Pag-IBIG Fund’s Online Public Auction (OPA) has won this year’s ADFIAP Outstanding Development Project Merit Award for Technology Development during the ADFIAP Sustainable Development Awards held recently in Muscat, Oman.​

The Online Public Auction (OPA) provides members a convenient, digital platform to bid for Pag-IBIG Fund’s foreclosed properties at discounted prices. Through OPA, members can register, view properties, and submit their bids entirely online—making the process easier, faster, and more accessible even for overseas Filipino workers. By leveraging technology, Pag-IBIG Fund continues to fulfill its mandate of providing affordable homes to Filipino workers.

2024 Dividend Rates for P1 at MP2 Savings

2024 DIVIDENDS and RETURNS are higher this year!

Pag-IBIG Fund has formally unveiled the highly-anticipated Pag-IBIG Savings Dividend rates for Y2024 in today's Chairman's Report on February 27, 2025. 

Pag-IBIG CEO Marilene C. Acosta, unveiled the dividend rates of:

[P1] Pag-IBIG Regular Savings: 6.60% per annum

[MP2] Pag-IBIG MP2 Savings: 7.10% per annum

BECOME A PAG-IBIG MEMBER | VIRTUAL PAG-IBIG LOGIN