14/12/2025
Pag-IBIG Fund Maintains Low Housing Loan Rates for 2025
Pag-IBIG Fund announced that it is maintaining its low interest rates on housing loans until the end of 2025, continuing its efforts to make homeownership more affordable and accessible for Filipino workers.
โWe are keeping our housing loan interest rates low to help more Filipino workers achieve their dream of homeownership,โ said 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). โThis forms part of DHSUDโs 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 Pilipinasโwhere every Filipino has access to safe, affordable, and resilient communities. By keeping rates low, we make monthly amortizations more affordable, enabling more of our membersโespecially those who are minimum-wage earners and from low-income sectorsโto finally move into homes they can truly afford.โ
Under its current terms, Pag-IBIG Fund offers housing loans at interest rates as low as 5.75% per annum for a one-year repricing period, and 6.25% for a three-year repricing period. Meanwhile, qualified low-income members may avail of special rates under the agency's Affordable Housing Program to purchase socialized housing units at just 3% per annum. Members may also enjoy loan terms of up to 30 years, helping keep monthly amortizations further within reach.
-Pag-IBIG Fund(HDMF)
