Pag-IBIG Fund announced that it is maintaining its low interest rates on housing
loans until the end of 2025, continuing its efforts to make homeownership more
affordable and accessible for Filipino workers.
“We are keeping our housing loan interest rates low to help more Filipino workers achieve
their dream of homeownership,” said Secretary Jose Ramon P. Aliling, Chairperson of
the 11-member Pag-IBIG Fund Board of Trustees and Secretary of the Department
of Human Settlements and Urban Development (DHSUD). “This forms part of
DHSUD’s renewed direction to expand the Pambansang Pabahay para sa Pilipino
Program, in line with the vision of President Ferdinand R. Marcos Jr. to build a Bagong
Pilipinas—where every Filipino has access to safe, affordable, and resilient communities.
By keeping rates low, we make monthly amortizations more affordable, enabling more of
our members—especially those who are minimum-wage earners and from low-income
sectors—to finally move into homes they can truly afford.”
Under its current terms, Pag-IBIG Fund offers housing loans at interest rates as
low as 5.75% per annum for a one-year repricing period, and 6.25% for a three-
year repricing period. Meanwhile, qualified low-income members may avail of
special rates under the agency’s Affordable Housing Program to purchase
socialized housing units at just 3% per annum. Members may also enjoy loan terms
of up to 30 years, helping keep monthly amortizations further within reach.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the agency’s sound
financial position makes the continued low rates possible.
“Pag-IBIG Fund’s prudent fiscal management, strong collections and high-performing
loan portfolio continue to keep us financially sound, enabling us to finance our members’
housing needs without external borrowing,” Acosta said. “This allows us to maintain
affordable rates and expand home financing access to more Filipino workers. As we fully
support the government’s housing thrust under the Marcos administration, we remain
focused on helping more of our members—especially those in underserved sectors—secure
homes they can call their own.”
This announcement builds on Pag-IBIG Fund’s strong performance in 2025. In the
first quarter alone, the agency released ₱30.22 billion in home loans, benefiting
over 20,000 members across the country. Additionally, Pag-IBIG Fund’s total
assets surpassed ₱1.1 trillion as of March 31, 2025, reflecting its robust financial
standing and capacity to sustain long-term support for affordable housing finance.
