The two Pag-IBIG loans
One builds a home, the other bridges a tight month. Here is how each works.
Up to ₱10 million for buying, building, or refinancing a home. Promo rates of 4.5 to 5.75 percent, fixed for 3 years, terms up to 30 years.
from 4.5%Your monthly amortization should fit within about 35 percent of gross monthly income. This is what usually decides the approved amount.
capacity to payCash against your own savings, up to 90 percent of your Total Accumulated Value, for any purpose. No service fee.
10.5% / yrHousing promo rates hold for 3 years, then reprice. Budget for the payment after the fixing period, not just the promo payment.
after 3 yrsQuestions people ask
answered in plain wordsUnder the Expanded 4PH promo, available until December 31, 2026: 4.5 percent per year for loans up to ₱2.5 million and 5.75 percent for loans above that up to ₱10 million, both fixed for the first 3 years. After the fixing period the rate reprices based on your chosen repricing term.