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Pag-IBIG Fund to Offer Special 4.5% Rate for Home Loans Up to P1.8 Million
Manila Bulletin
|September 14, 2025
Pag-IBIG Fund is set to offer a special 4.5 percent housing loan rate to qualified members seeking to purchase house-and-lot packages worth up to P1.8 million, as part of the Marcos Administration's Expanded Pambansang Pabahay para sa Pilipino (4PH) Program. The promotional rate is expected to be available starting in October, as the agency joins the nationwide celebration of National Shelter Month.
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Under the program, the first 10,000 housing loan applications from locally employed members and 1,000 applications from Overseas Filipino Workers will enjoy the subsidized 4.5 percent annual interest rate, fixed for the first three years of the loan. Once the program is implemented, eligible applications already in the pipeline will also be granted the special rate, in addition to the 11,000 slots.
The 4.5 percent rate is significantly lower than the current 6.25 percent for similar loans, making monthly payments more affordable for borrowers.
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