Pag-IBIG housing assets hit PHP 1 trillion milestone

Pag-IBIG Fund’s gross housing-related assets reached PHP 1.01 trillion as of July 31, 2026, as its housing portfolio grew through financing for members buying, building, and improving homes and for institutions supporting housing development.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said the growth reflects the 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 R. Marcos Jr. under the Expanded Pambansang Pabahay para sa Pilipino Program to make affordable homeownership accessible to more Filipinos.

“Reaching more than ₱1 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,” Aliling said.

Of Pag-IBIG Fund’s PHP 1.01 trillion in gross housing-related assets, PHP 971.39 billion, or about 96%, consists of housing-related loans, while PHP 38.47 billion consists of other housing-related assets.

For members, much of the portfolio represents financing that has helped Filipino workers buy, build, or improve homes.

Pag-IBIG Fund’s housing focus is built into its mandate under Republic Act No. 9679, which requires at least 70% of its investible funds to be invested in housing.

The mandate enables members’ pooled savings to finance homes and housing development while generating earnings that help protect and grow their funds.

The Expanded 4PH program was recalibrated in 2025 to broaden housing choices beyond vertical developments, including horizontal socialized housing, rental housing, incremental housing, and a revitalized Community Mortgage Program.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said the PHP 1 trillion housing portfolio reflects the 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 the end-user and institutional housing markets.

From January to July 2026, housing and wholesale loan releases reached PHP 88.84 billion, compared with PHP 72.61 billion in the same period last year, reflecting continued demand for home financing and funding support for housing development.

To widen access under Expanded 4PH, Pag-IBIG Fund increased its maximum housing loan to PHP 10 million per borrower, payable over terms of up to 30 years, while continuing to provide a 3% subsidized housing loan rate for qualified low-income borrowers.

Pag-IBIG Fund also offers promotional rates of 4.5% for loans above the socialized housing price ceiling up to PHP 4.9 million and 5.75% for loans above PHP 4.9 million up to PHP 10 million until Dec. 31, 2026.