Pag-IBIG keeps housing loans affordable with lower promo rates, higher loan limit

For many Filipinos dreaming of owning a home, Pag-IBIG Fund says it is keeping housing loans within reach despite higher lending rates in the market.

The agency continues to offer a 3% subsidized interest rate for qualified members buying socialized housing, while 4.5% and 5.75% promo rates remain available for low-cost and open-market homes. It has also increased the maximum housing loan amount to P10 million, giving members more options when buying a house.

“Hinay-hinay na gyud mahimong mas achievable ang dream house sa daghang pamilya,” the move hopes to achieve by making monthly amortizations lighter, especially for minimum-wage earners and middle-income workers.

DHSUD Secretary Jose Ramon P. Aliling said the lower rates are meant to help more Filipinos qualify for housing loans while keeping monthly payments manageable. Under the Expanded Pambansang Pabahay para sa Pilipino Program (Expanded 4PH), qualified borrowers may pay as low as P4,005 a month for a P950,000 socialized housing unit.

Meanwhile, Pag-IBIG Chief Executive Officer Marilene C. Acosta said the agency can continue offering below-market rates because of its strong financial performance.

From January to May 2026 alone, members saved P90.24 billion with Pag-IBIG, while the agency released P55.26 billion in housing loans that helped finance 34,641 homes nationwide.

ADVT.

This article is brought to you by Pag-IBIG Fund.

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