Pag-IBIG Fund
Develop and promote an
integrated nationwide, sound, and viable tax-exempt mutual
PROVIDENT
SAVINGS SYSTEM
suitable to the needs of the
employed and other earning groups
PROVIDENT
SAVINGS
Promote home ownership
through the extension of AFFORDABLE
HOUSING LOANS,
and stimulate the shelter industry
by providing developmental and institutional financing
HOME
FINANCING
Pag-IBIG Fund Snapshot
2025
2019
2020
17.06 M
Active Membership
Level
₱140.54B
Housing Loan Releases
90,727
Members with New or Better Homes
Members’
Savings
₱160.41 B
₱94.16 B
Short-Term Loan Releases
3,752,364
Members helped with
Immediate financial needs
2025 DIVIDEND RATE
6.62%
2025 DIVIDEND RATE
7.12%
Dividend Amount
98.60%
Dividend Payout Ratio
*by law HDMF is only required to
declare 70% of income as dividend
₱64.34 B
Total
Assets
₱1.23 T
Net
Income
₱65.28 B
Dividends Declared
TOPICS
TOPICS
Direct Development Loan Program for the
Pambansang Pabahay Para sa
Pilipino Program (4PH)
Pag-IBIG Fund Circular no. 457
Development of Residential Condominium Buildings / Subdivision
Land Acquisition, Site Development �and Construction of Residential Units
LOAN PURPOSES
Project Site and Project Viability�
With Identified Project Beneficiaries
Sales Package of the housing units generated from the project should not exceed DHSUD’s packages ceilings under 4PH Program
PRIMARY CONSIDERATIONS
DHSUD & DEPDev Joint Memorandum Cir. 2025-001
Building Classification | Unit Sizes | Maximum Selling Price |
3 to 5 Floors (walk-up) | Minimum of 24 sqm. to 26 sqm. | ₱1,280,000.00 |
27 sqm. and above | ₱1,500,000.00 | |
Above 5 Floors | Minimum of 24 sqm. to 26 sqm. | ₱1,600,000.00 |
27 sqm. and above | ₱1,800,000.00 |
In the National Capital Region and other identified highly urbanized cities, the following additional amounts may be added as a maximum allowable adjustments to the total unit selling price, with respect to the latest BIR zonal value of the project site
Zonal Value of Land | Corresponding Amount (in addition to the unit selling price) |
₱40,000/sqm and above | ₱200,000.00 |
₱30,000 to ₱39,999/sqm | ₱150,000.00 |
₱25,000 to ₱29,999/sqm | ₱100,000.00 |
₱20,000 to ₱24,999/sqm | ₱50,000.00 |
Unit Sizes | Maximum Selling Price |
Minimum of 24 sqm. to 26 sqm. | ₱844,400.00 |
Minimum of 27 sqm. | ₱950,000.00 |
Socialized Subdivision Projects
DHSUD & DEPDev Joint Memorandum Cir. 2025-001
ELIGIBLE ENTITIES
LOAN TERM
NOT TO EXCEED THREE (3) YEARS
Rates per Re-Pricing Period | ||
1- Year Term | 2- Year Term | 3- Year Term |
5.875% | 6.000% | 6.125% |
Pag-IBIG Fund Circular no. 473
Loanable Amount
Borrowers may purchase socialized housing units with the following loan amounts:
The loan may also include costs for home upgrade, non-life insurance (NLI) premiums, Estate Management Fees (EMF)—bundled into one convenient and affordable loan package.
Up to ₱950,000 for a house and lot |
Up to ₱2 million for a condominium unit |
Loanable Amount
LOANABLE AMOUNT
6.25%
3 years repricing
Previous EUF-4PH Program
3%
5 years repricing
Expanded 4PH Program
DHSUD: 2% interest Subsidy
Beneficiaries: 1% interest share
*Local members must have a gross monthly income (GMI) not exceeding the 7th income decile based on the latest PSA-FIES
DHSUD: 5% interest subsidy*
Beneficiaries: 1.25% interest share
Note: DHSUD interest subsidy subject to fund availability from National Government through annual budget from General Appropriations Act (GAA)
Extendable
for another
5
years
Eligibility Requirements
To qualify for the Pag-IBIG Expanded 4PH Housing Loan, the borrower must be a FIRST-TIME HOMEBUYER and meet the following:
3%
SUBSIDIZED RATE
FIRST 5 YEARS OF LOAN
SOCIALIZED �HOUSE and LOT
Loan Amount | Monthly Amortization | Income Required |
₱600,000.00 | ₱2,530 | ₱7,229 |
₱750,000.00 | ₱3,162 | ₱9,034 |
₱850,000.00 | ₱3,584 | ₱10,240 |
₱950,000.00 | ₱4,005 | ₱11,443 |
Expanded 4PH PROGRAM
House & Lot
WITHOUT
Association Dues
3%
SUBSIDIZED RATE
FIRST 5 YEARS OF LOAN
SOCIALIZED
CONDO UNIT
Loan Amount | Monthly Amortization | Income Required |
₱1,280,000.00 | ₱5,397 | ₱15,420 |
₱1,500,000.00 | ₱6,324 | ₱18,069 |
₱1,800,000.00 | ₱7,589 | ₱21,683 |
₱2,000,000.00 | ₱8,432 | ₱24,091 |
Expanded 4PH PROGRAM
Condo Unit
Pag-IBIG Fund Circular no. 478
Expanded 4PH PROGRAM
4.5%
Loan Amount | Monthly Amortization | Income Required |
₱900,000.00 | ₱4,560 | ₱13,029 |
₱1,000,000.00 | ₱5,066 | ₱14,476 |
₱1,200,000.00 | ₱6,080 | ₱17,372 |
₱1,500,000.00 | ₱7,600 | ₱21,715 |
₱1,800,000.00 | ₱9,120 | ₱26,058 |
PER ANNUM
PROMO RATE
HOME LOANS
UP TO P1.8M
Pag-IBIG Fund Circular no. 475
Note: Rental Rate ceiling shall be imposed by the Fund in consideration of the subsidized interest rates.
Pag-IBIG Fund Circular no. 482
PROGRAM FEATURES | UP HARDIN NG ROSAS | RHCL (Cir. 437) | RHCL (Cir.482) |
Loan Term | 20 years | 20 years | 30 years |
Interest Rate | 13% | 1-Year Term: 5.875% 2-Year Term: 6.000% 3-Year Term: 6.125% | 3% for the 1st 10 years (5-year repricing thereafter) Note: up to P6.3B Funding allocation |
Monthly Amortization | Based on straight computation: P118M at 13% for 20years?
Monthly Amortization:�P 1,382,459.34 Rental per unit:� P 1,382,459.34 ÷ 192 = 7,200.31
| If the approved loan is P 118 M At 5.875% per annum:
Monthly Amortization: P 836,901.40 (Difference: P 545,557.94) Rental per unit:�P 836,901.40 ÷ 192 = 4,358.86 | If the approved loan is P 118 M at 3% for the 1st 10 years Monthly Amortization: P 497,492.76 Difference: 1st RHCL: P 884,966.58 2nd RHCL: P 339,408.64 Rental Per Unit: P497,492.76 ÷ 192 = 2,591.11 |
Comparative Matrix
Should you have questions about your Pag-IBIG Fund benefits,
contact us via these service channels.
(+632) 724-4244 (standard rates apply)
8
Pag-IBIG
contactus@pagibigfund.gov.ph
chat with us at
www.pagibigfund.gov.ph
/PagIBIGFundOfficialPage