Pag-IBIG Fund housing loan releases reached P140.54 billion in 2025, an 8-percent increase from the P129.73 billion released in 2024, agency officials said Wednesday.
The record-high lending benefited 90,727 Filipino workers who used the funds to purchase housing units or finance home construction, renovation and improvements.
The milestone reflects sustained momentum in affordable housing finance, recently recognized by President Ferdinand Marcos Jr. for expanding access to shelter across the country.
Department of Human Settlements and Urban Development Secretary and Pag-IBIG Fund Board of Trustees chairperson Jose Ramon Aliling said the 2025 accomplishment reflects work under the Expanded Pambansang Pabahay para sa Pilipino Program, or Expanded 4PH.
“This supports President Marcos Jr.’s directive to accelerate the delivery of affordable housing by keeping financing accessible to our fellow Filipinos. We will build on these gains in 2026 by working even more closely with our shelter partners to speed up loan releases and help more Filipino families move into their own homes,” Aliling siad.
Of the total amount released, the agency financed 7,056 Expanded 4PH socialized housing units worth P7.63 billion through a subsidized 3-percent interest rate. Another 4,811 housing units worth P6.2 billion were financed under a 4.5 percent promotional rate for loans of up to P1.8 million.
Pag-IBIG Fund chief executive Marilene Acosta said the programs are designed to keep homeownership affordable for members in the Philippines and abroad.
“Pag-IBIG Fund remains fully aligned with the directive of President Marcos Jr. to expand access to quality and affordable housing, especially for minimum wage earners and middle-income members,” Acosta said.
“As the largest single source of home mortgage financing in the country, we recognize our role in helping more Filipino workers secure safe, decent homes through home loans that remain affordable and responsive to their needs,” she said.
Under the Expanded 4PH program, qualified local members and all overseas Filipino workers who are first-time homebuyers can access a 3 percent annual interest rate for the first 5 years.
This rate reduces monthly payments to P4,005 for house-and-lot units priced up to P950,000 and approximately P8,432 for condominium units priced up to P2 million. An “Early Bird Promo” allows the first 30,000 qualified borrowers to enjoy this subsidized rate for 10 years.
The agency also provides a 4.5 percent promotional rate for loans up to P1.8 million. Under this offer, a 30-year loan of P1.8 million carries a monthly amortization of P9,120.34, saving members nearly P2,000 a month compared with the regular 6.25 percent rate.
For existing homeowners, the Pag-IBIG Home Improvement Loan allows members to borrow up to P300,000 for repairs or upgrades, payable within 5 years.
The agency is offering the loan at a promotional 3 percent annual rate for the first 10,000 borrowers.
