18/09/2025
Pag-IBIG Fund Special 4.5% Home Loan Rate (October Launch) 🏡✨
What’s New: Starting October, Pag-IBIG will offer a special 4.5% interest rate for housing loans up to ₱1.8M.
📌Who Can Avail:
✅️First 10,000 locally employed members
✅️First 1,000 OFWs (all OFWs qualify, regardless of income)
✅️Fix Rate: Locked for the first 3 years.
✅️Loan Use: Can be used for house-and-lot, lot only, home construction/improvement, or Pag-IBIG-acquired properties.
📌Eligibility:
✅️Must be a first-time homebuyer
✅️At least 12 months of Pag-IBIG savings
✅️MAXIMUM Income limit: ₱47,856 (NCR) / ₱34,686 (outside NCR)
🏡Savings Example:
➡️₱1.8M loan, 30 years to pay:
👌At 6.25% rate: ₱11,082/month
👌At 4.5% rate: ₱9,120/month
‼️You save almost ₱2,000 monthly‼️
👉 This is part of the Marcos administration’s 4PH Program and National Shelter Month celebration to make housing more affordable for Filipino families.
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Pag-IBIG Fund to Offer Special 4.5% Rate for Home Loans Up to P1.8 Million
Pag-IBIG Fund will offer a special 4.5% housing loan rate this October for members purchasing house-and-lot packages worth up to P1.8 million, under the Marcos Administration’s Expanded Pambansang Pabahay para sa Pilipino (4PH) Program and in celebration of National Shelter Month. The program covers the first 10,000 locally employed members and 1,000 OFWs, with the rate fixed for the first three years. Eligible applications already in the pipeline will also be included.
At this rate, the monthly amortization for a P1.8 million loan over 30 years drops to P9,120.34 from P11,082.91 at the regular 6.25%, resulting in savings of nearly P2,000 per month or P71,000 in three years.
To qualify, first-time homebuyers must have at least 12 monthly savings and earn below P47,856 in NCR or P34,686 outside NCR, while all OFWs qualify regardless of income. Loan proceeds may be used to purchase a house-and-lot, lot only, construct or improve a home, or acquire a Pag-IBIG Fund Acquired Asset.
“Last July, we introduced a 3% subsidized rate for socialized housing loans. Now, we are expanding this effort by offering a 4.5% rate for loans up to P1.8 million, making even non-socialized housing more affordable,” said DHSUD Secretary Jose Ramon C. Aliling, Chairperson of the Pag-IBIG Fund Board of Trustees. Pag-IBIG Fund CEO Marilene C. Acosta added, “Through this initiative, we provide substantial savings and help Filipino families realize their dream of homeownership, in support of President Marcos’ vision of a better and more secure life for every Filipino.”
