The Pag-IBIG Fund will maintain its low interest rates on housing loans through the end of 2025, continuing efforts to make homeownership more affordable for Filipino workers, a top executive said.
“We are keeping our housing loan interest rates low to help more Filipino workers achieve their dream of homeownership,” said Jose Ramon Aliling, chairperson of the 11-member Pag-IBIG Fund Board of Trustees and Secretary of the Department of Human Settlements and Urban Development (DHSUD).
Aliling said the move is part of DHSUD’s expanded “Pambansang Pabahay para sa Pilipino Program,” aligning with President Ferdinand Marcos Jr.’s vision for a “Bagong Pilipinas” where Filipinos have 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,” Aliling said.
Pag-IBIG Fund offers housing loans with interest rates as low as 5.75 percent per annum for a one-year repricing period and 6.25 percent for a three-year repricing period.
Qualified low-income members can access special rates under the agency’s Affordable Housing Program, allowing them to purchase socialized housing units at just 3 percent per annum. Loan terms can extend up to 30 years.
Pag-IBIG Fund chief executive Marilene Acosta attributed the sustained low rates to the agency’s sound financial position.
“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,” she said.
Acosta reiterated the agency’s commitment to supporting the government’s housing agenda, particularly for underserved sectors.
The announcement follows a strong performance in 2025 for Pag-IBIG Fund. In the first quarter alone, the agency released P30.22 billion in home loans, benefiting over 20,000 members. As of March 31, 2025, Pag-IBIG Fund’s total assets surpassed P1.1 trillion.