PagIBIG Fund announces special 3% housing loan rate under Expanded 4PH Program
PagIBIG Fund has announced a game-changing 3% annual interest rate for the first five years of housing loans under the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program, making homeownership more accessible to millions of Filipino families.
In a significant move to support President Ferdinand R. Marcos Jr.’s Bagong Pilipinas vision, PagIBIG Fund unveiled this special subsidized interest rate program on Friday, July 25, 2025. This initiative represents one of the lowest housing loan rates ever offered by the government housing agency, specifically targeting low to middle-income Filipino families and overseas Filipino workers (OFWs).
Who Qualifies for the 3% Housing Loan Rate?
Eligible borrowers include:
First-time homebuyers earning:
- Less than ₱47,856 per month in the National Capital Region (NCR)
- Less than ₱34,686 per month outside NCR
- All overseas Filipino workers (OFWs) regardless of income level
The special rate applies to members from the lowest income segments up to the seventh income decile, significantly expanding access to affordable housing financing.
What Properties Can You Purchase?
Under the Expanded 4PH Program, qualified borrowers can purchase:
- Socialized house-and-lot units priced up to ₱850,000
- Condominium units priced up to ₱1.8 million
- PagIBIG Acquired Assets within the specified price ceilings
Key Benefits and Features
100% Loan-to-Value Ratio: Borrowers are not required to provide cash equity, making homeownership immediately accessible.
Additional Home Improvement Financing: Up to ₱100,000 additional financing for home improvements, including utility connections and home fixtures.
3% Interest Rate: Special subsidized rate applies for the first five years of the loan term.
Wide Coverage: The program now includes both vertical (condominiums) and horizontal (house-and-lot) housing developments.
Official Statement from PagIBIG Leadership
Secretary Jose Ramon P. Aliling, head of the Department of Human Settlements and Urban Development (DHSUD) and chairperson of the PagIBIG Fund Board of Trustees, emphasized the program’s significance:
“We are pleased to report that PagIBIG Fund has once again stepped forward in its commitment to helping more Filipinos secure dignified homes. Together with the enhancements under the Expanded 4PH Program - which now covers both vertical and horizontal housing developments - PagIBIG Fund’s wider home financing options ensure that more Filipinos can finally achieve homeownership.”
Private Sector Support
The program has garnered strong private sector participation, with developers committing to build more than 250,000 socialized housing units nationwide under the Expanded 4PH Program, significantly accelerating the government’s housing efforts.
PagIBIG’s Financial Strength Enables Low Rates
PagIBIG Fund Chief Executive Officer Marilene C. Acosta highlighted that the agency’s ability to offer such competitive rates stems from its robust financial position and strong collection efficiency, eliminating the need for external borrowing.
“Our robust financial position allows us to extend this special subsidized rate under the Expanded 4PH Program, enabling even more members - including private-sector workers, government employees, uniformed personnel, OFWs, self-employed individuals, and informal-sector workers - to achieve sustainable homeownership,” Acosta stated.
How This Supports Bagong Pilipinas Vision
This initiative directly supports President Marcos Jr.’s directive to expand access to affordable and dignified housing, aligning with the administration’s Bagong Pilipinas vision of providing decent shelter through sustainable housing programs.
The program represents PagIBIG Fund’s commitment to its twin mandates: promoting savings and providing affordable home financing for Filipino workers across all sectors.
Next Steps for Interested Borrowers
Filipino families and OFWs interested in this special housing loan rate should:
- Visit the nearest PagIBIG Fund branch
- Check eligibility requirements based on income thresholds
- Explore accredited Expanded 4PH housing projects
- Prepare necessary documentation for loan application
For the most current information and updates about this program, visit the official PagIBIG Fund website or follow their official Facebook page .