MP2 in plain words
Four things that make MP2 worth a look for money you will not need for five years.
Save at least ₱500 per remittance, voluntarily, on top of your regular Pag-IBIG contribution. The term is 5 years, renewable after maturity.
₱500 min · 5 yrsYearly dividends from the fund's income, historically among the highest of any government-backed savings. Declared each year, not fixed.
7.12% for 2025MP2 dividends are exempt from income tax, unlike bank interest which is taxed at 20 percent.
tax-freeSavings are backed by the full faith and credit of the national government.
gov't-backedQuestions people ask
answered in plain wordsMP2 is the Pag-IBIG Fund's voluntary savings program, separate from your mandatory monthly contribution. You save at least ₱500 per remittance for a 5-year term, earn yearly dividends that are exempt from tax, and the savings are backed by the national government.