Pag-IBIG Fund’s gross housing-related assets reached P1.01 trillion, as of July 31, as its housing portfolio continued to grow with more financing extended to members buying, building and improving their homes, as well as to institutions supporting housing development.
Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the growth reflects Pag-IBIG Fund’s continuing role in expanding homeownership while supporting activity across the housing sector and the broader economy.
“Pag-IBIG Fund’s performance continues to reflect its commitment to achieving the directive of President Ferdinand Marcos Jr. under the Expanded Pambansang Pabahay para sa Pilipino Program to make affordable homeownership accessible to more Filipinos,” Aliling said in a press release Aug. 26.
Reaching more than P1 trillion in housing-related assets is an important milestone. It means more financing is reaching Filipino homebuyers, while qualified developers and institutions receive greater support to provide housing. As investments in housing grow, they also help stimulate the industry, support construction and related sectors, create jobs and contribute to broader economic growth, he added.
Of Pag-IBIG Fund’s P1.01 trillion in gross housing-related assets, P971.39 billion, or about 96 percent, consists of housing-related loans, while P38.47 billion consists of other housing-related assets. For members, much of this represents financing that has helped Filipino workers buy, build or improve homes.
The emphasis on housing is built into Pag-IBIG Fund’s mandate, which requires at least 70 percent of its investible funds to be invested in housing. This enables members’ pooled savings to finance homes and housing development while generating earnings that help protect and grow their funds.
Pag-IBIG Fund chief executive officer Marilene Acosta said the trillion-peso housing portfolio reflects the very meaning of Pag-IBIG, Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno, with members’ savings helping fellow members achieve homeownership.
“This is Pag-IBIG at work. The savings of millions of Filipino workers are pooled together and put to productive use, much of it to help fellow members have homes of their own. As we continue supporting President Marcos’ housing agenda, what matters most is that more members are able to turn their hard-earned income into homes and assets that can provide greater security for their families,” Acosta said.
“For a member paying a housing loan, each amortization brings that member closer to fully owning a home. Over time, that home becomes more than a place to live. It is an asset that families can improve, preserve and pass on to the next generation. This is how homeownership can help our members build lasting value and greater financial security,” she added.
Pag-IBIG Fund also continued to expand financing for both the end-user and institutional housing markets. From January to July 2026, housing and wholesale loan releases reached P88.84 billion, up 12 percent from P72.61 billion during the same period last year, reflecting continued demand for home financing and funding support for housing development.
To widen access further under Expanded 4PH, Pag-IBIG Fund increased the maximum Pag-IBIG Housing Loan to P10 million per borrower, payable over terms of up to 30 years, while continuing to provide a three percent subsidized housing loan rate for qualified low-income borrowers. It also offers promotional rates of 4.5 percent for loans above the socialized housing price ceiling up to P4.9 million, and 5.75 percent for loans above P4.9 million up to P10 million, until Dec. 31, 2026. ||
