The Pag-IBIG Fund announced its decision to maintain current low interest rates on housing loans until the end of 2025. This move reinforces the agency’s commitment to making homeownership more affordable and accessible for Filipino workers nationwide.
“We are keeping our housing loan interest rates low to help more Filipino workers achieve their dream of homeownership,” stated 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.”
Secretary Aliling emphasized that these low rates will make monthly amortizations more affordable, particularly for minimum-wage earners and those from low-income sectors, enabling them to secure homes they can truly afford.
Affordable Rates and Flexible Terms
Under its current terms, Pag-IBIG Fund offers competitive housing loan interest rates, including:
- 5.75% per annum for a one-year repricing period
- 6.25% per annum for a three-year repricing period
Furthermore, qualified low-income members can access special rates through the agency’s Affordable Housing Program, which offers a remarkable 3% per annum for socialized housing units. Members also benefit from flexible loan terms of up to 30 years, ensuring monthly amortizations remain within reach.
Strong Financial Position Enables Continued Support
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta affirmed that the agency’s robust financial health is the cornerstone of its ability to sustain these low rates. “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.”
Acosta added that the Pag-IBIG Fund remains fully supportive of the government’s housing thrust under the Marcos administration, with a continued focus on helping underserved sectors secure their own homes.
Demonstrated Impact and Growth
This announcement follows a period of strong performance for the Pag-IBIG Fund. In the first quarter of 2025 alone, the agency released ₱30.22 billion in home loans, benefiting over 20,000 members across the country. As of March 31, 2025, Pag-IBIG Fund’s total assets surpassed ₱1.1 trillion, underscoring its solid financial standing and capacity to provide long-term support for affordable housing finance.
