13/06/2026
โฑ10 million Pag-IBIG housing loan increased!
๐ What it means in simple terms
Before: Max loan was lower (so cheaper homes lang ang pasok)
Now: You can apply for a housing loan up to โฑ10M
So mas mahal na bahay or condo units ang puwede nang ma-finance through Pag-IBIG
๐๐ ๐ฑ๐ผ๐ฒ๐ ๐ก๐ข๐ง ๐บ๐ฒ๐ฎ๐ป ๐ฒ๐๐ฒ๐ฟ๐๐ผ๐ป๐ฒ ๐ฎ๐๐๐ผ๐บ๐ฎ๐๐ถ๐ฐ๐ฎ๐น๐น๐ ๐ด๐ฒ๐๐ โฑ๐ญ๐ฌ๐ .
It only means: โYan ang maximum ceiling โ depende pa rin sa income mo at capacity to pay.โ
๐ก How it works
When you apply for a Pag-IBIG housing loan, they will still check:
1. ๐งพ Your income - Magkano sweldo mo per month
2. ๐ก Property value - Pag-IBIG will loan based on appraisal + ability to pay
3. ๐ Loanable amount - Even if max is โฑ10M, only high-income borrowers can reach near โฑ10M
๐ฆ Why they increased it?
Goal is to help middle-income earners afford modern housing.
๐ So ano ibig sabihin ng โฑ10M limit?
โ Mas mataas na presyo ng bahay na puwedeng i-finance
โ Pwede na sa mas high-end houses
โ Mas flexible na si Pag-IBIG sa malaking loans
Pero:
โ Hindi ibig sabihin kaya ng lahat mag-loan ng โฑ10M
โ Depende pa rin sa sweldo at kakayahan mong magbayad
โ ๏ธ Real talk
Mas malaking loan = mas malaking monthly amortization
Kaya kailangan sure ka na kaya ng budget mo ang long-term (30 years usually)
๐ Bottom line
๐ Ang โฑ10M limit ay maximum ceiling lang
๐ Actual approved loan mo = based sa income + property value + capacity to pay
Message us now to check out our eligible properties! ๐ฒ
