02/04/2026
Pag-IBIG Fund to maintain 3% socialized housing rate under Expanded 4PH amid Middle East conflict
Pag-IBIG Fund will maintain its 3% annual interest rate for qualified socialized housing loans under the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program, helping keep homeownership affordable amid the ongoing Middle East conflict and global oil price volatility.
With monthly amortizations as low as ₱4,005 for house-and-lot units worth up to ₱950,000, and ₱7,589 for condominium units worth up to ₱1.8 million, more Filipino workers, including overseas Filipino workers (OFWs), can achieve their dream of owning a home.
The initiative supports the directive of President Ferdinand R. Marcos Jr. to make decent and affordable housing more accessible, especially for low- and moderate-income earners.
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