PAG-IBIG TO KEEP 3% SOCIALIZED HOUSING RATE DESPITE MIDDLE EAST UNCERTAINTY

The Pag-IBIG Fund announced it will maintain its 3 percent annual interest rate for qualified socialized housing loans under the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program, following President Marcos’ directive. The subsidized rate applies to the first five years of the loan for first-time homebuyers earning below PHP47,856 in NCR and PHP34,686 in other regions, while all overseas Filipino workers are also eligible. An “Early Bird Promo” allows the first 30,000 qualified borrowers to enjoy the 3 percent rate for the first 10 years. Loans can cover house-and-lot units up to PHP950,000 or condominiums up to PHP1.8 million, with a 100 percent loan-to-value ratio and up to PHP100,000 additional financing for home improvements. Pag-IBIG’s strong fiscal position and record 2025 loan performance, releasing PHP140.54 billion to 90,727 Filipino families, allow the agency to continue supporting affordable homeownership nationwide.