Pag-IBIG Fund Maintains Low Interest Rates Until 2025
Pag-IBIG Fund is committed to keeping its low interest rates on housing loans until the end of 2025. This policy supports Filipino workers striving to achieve affordable homeownership. By maintaining these rates, the fund ensures that monthly payments remain manageable, especially for minimum-wage earners and those from low-income sectors.
“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 Pag-IBIG Fund Board of Trustees and Secretary of the Department of Human Settlements and Urban Development (DHSUD). He emphasized that this move aligns with DHSUD’s renewed focus to expand the Pambansang Pabahay para sa Pilipino Program. This initiative supports President Ferdinand R. Marcos Jr.’s vision of a Bagong Pilipinas where every Filipino can live in safe, affordable, and resilient communities.
Affordable Housing Loans for Filipino Workers
Currently, Pag-IBIG Fund offers housing loans with interest rates starting as low as 5.75% per annum for loans repriced every year, and 6.25% for those repriced every three years. Moreover, qualified low-income members can avail themselves of special rates as low as 3% per annum under the Affordable Housing Program for socialized housing units. Loan terms can extend up to 30 years, helping to further ease monthly amortizations.
Strong Financial Health Supports Low Rates
Pag-IBIG Fund CEO Marilene C. Acosta highlighted the agency’s strong financial management as the key to sustaining these low rates. “Our prudent fiscal strategies, consistent collections, and robust loan portfolio ensure our financial stability. This allows us to finance housing needs without borrowing externally,” she said. Acosta stressed that this sound position enables Pag-IBIG Fund to expand access to affordable home financing, especially for underserved sectors.
Robust Performance in Early 2025
In the first quarter of 2025 alone, Pag-IBIG Fund released over ₱30 billion in home loans, benefiting more than 20,000 members nationwide. The agency’s total assets surpassed ₱1.1 trillion as of March 31, 2025, showcasing its capacity to provide long-term support for affordable housing.
By keeping housing loan interest rates low, Pag-IBIG Fund continues to pave the way for more Filipinos to own homes they can truly afford. This commitment reflects a broader government effort to promote inclusive growth and housing accessibility.
For more news and updates on affordable housing loans, visit Filipinokami.com.