Reyes Realty

12/01/2026

10/11/2025

🏠💡 Did you know?

Even if your house gets damaged or destroyed by a typhoon, earthquake, or flood…
👉 You STILL owe the bank or Pag-IBIG.
Yes — even if your home is gone, your housing loan doesn’t disappear.

You borrowed money, and that loan remains your responsibility until it’s fully paid.

That’s why when you buy a house through Bank Financing or Pag-IBIG, having the right insurance coverage is a must!

Here’s what every homeowner should understand 👇

🏦 1️⃣ MRI (Mortgage Redemption Insurance)
This protects your family if something happens to you (the borrower).

If you pass away before the loan is paid off, the MRI settles the remaining balance — so your loved ones won’t inherit the debt or risk losing the home. 🙏

🌪️ 2️⃣ Fire and Acts of Nature (AON) Coverage
This protects your property itself — in case it’s damaged or destroyed by fire, earthquake, flood, or typhoon.

Without this, the bank or Pag-IBIG will still collect loan payments even if your house is unlivable. 😢

📋 Here’s how it works:
✅ You file a claim for the damage.
✅ The insurance company pays the bank or Pag-IBIG directly (since your property is the collateral).
✅ If the claim amount covers your remaining loan — good news, your loan is settled!
✅ But if it’s less, you’ll have to pay the difference.

💡 Real talk:
Insurance pays for the damage, but your loan stays until the lender is fully paid.
MRI protects your family, and AON protects your home. Both are essential for your peace of mind and financial security. ❤️

✨ Tip:
Whether your home is under Bank or Pag-IBIG financing, review your insurance today.
Make sure you’re protected with MRI + Acts of Nature coverage.

Photo credits to the owner.

16/09/2025

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.”

10/06/2025

welcome to bridgeport Your new premier marina address at Brgy. Caliclic, Island Garden City of Samal, Davao Del Norte. Live luxuriously and exclusively on this sprawling 13-hectare low density marina development purposely envisioned to provide splendor and sanctuary for a boat lover and sea enthsias...

10/06/2025

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.

“We are keeping our housing loan interest rates low to help more Filipino workers achieve their dream of homeownership,” 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). “This forms part of DHSUD’s 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 Pilipinas—where every Filipino has access to safe, affordable, and resilient communities. By keeping rates low, we make monthly amortizations more affordable, enabling more of our members—especially those who are minimum-wage earners and from low-income sectors—to finally move into homes they can truly afford.”

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 Chief Executive Officer Marilene C. Acosta said the agency's sound financial position makes the continued low rates possible.

“Pag-IBIG Fund’s prudent fiscal management, strong collections and high-performing loan portfolio continue to keep us financially sound, enabling us to finance our members’ housing needs without external borrowing,” Acosta said. “This allows us to maintain affordable rates and expand home financing access to more Filipino workers. As we fully support the government’s housing thrust under the Marcos administration, we remain focused on helping more of our members—especially those in underserved sectors—secure homes they can call their own.”

This announcement builds on Pag-IBIG Fund’s strong performance in 2025. In the first quarter alone, the agency released ₱30.22 billion in home loans, benefiting over 20,000 members across the country. Additionally, Pag-IBIG Fund’s total assets surpassed ₱1.1 trillion as of March 31, 2025, reflecting its robust financial standing and capacity to sustain long-term support for affordable housing finance.

10/06/2025

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