28/05/2026
๐ฃ๐๐-๐๐๐๐ ๐๐ข๐จ๐ฆ๐๐ก๐ ๐๐ข๐๐ก ๐ก๐ข๐ช ๐จ๐ฃ ๐ง๐ข โฑ๐ญ๐ฌ๐ โ ๐๐จ๐ง ๐๐๐ก ๐ฌ๐ข๐จ ๐ฅ๐๐๐๐๐ฌ ๐ค๐จ๐๐๐๐๐ฌ? ๐ก๐ฐ
Good news for Filipino homebuyers, OFWs, employees, professionals, and families planning to buy their dream home.
Pag-IBIG Fund has reportedly increased its maximum housing loan limit from โฑ6 million to โฑ10 million to help more qualified members access affordable long-term home financing.
This is a big development, especially for buyers looking at properties in urbanized areas where prices of houses, townhouses, and condominiums have already gone beyond the old loan ceiling.
But here is the important truth:
Hindi ibig sabihin nga tungod kay โฑ10M na ang maximum loan, automatic nga ma-approve ka sa โฑ10M.
Pag-IBIG housing loan approval still depends on several important factors:
โ
Gross monthly income
โ
Capacity to pay
โ
Active Pag-IBIG membership and contributions
โ
Credit evaluation
โ
Appraised value of the property
โ
Complete required documents
โ
Pag-IBIGโs final approval and guidelines
Before reserving or buying a property, always ask yourself:
โ Can your income support the monthly amortization?
โ Is the property qualified for Pag-IBIG financing?
โ Is the selling price aligned with the Pag-IBIG appraisal?
โ Do you have enough funds for equity, fees, taxes, and other charges?
Pag-IBIG housing loan may offer terms of up to 30 years, with rates starting as low as 5.75% per annum depending on the selected repricing period and official evaluation.
๐ ๐ฌ ๐๐จ๐๐๐๐ก๐๐:
Do not buy based only on the headline โโฑ10M loan.โ Buy based on proper computation, due diligence, financing qualification, and long-term affordability.
A good property decision is not only about getting approved โ it is about making sure you can sustain the payment without sacrificing your familyโs financial stability. ๐ โค๏ธ
๐ฉโ๐ผ Shenanie C. Academia
Licensed Real Estate Broker
PRC Lic. # 0035574
DHSUD # XI-B-2026/02-1139
๐ 09173081437