Heeding President Ferdinand R. Marcos Jr.’s directive to make homeownership more accessible to Filipino workers under the Expanded Pambansang Pabahay para sa Pilipino Program (Expanded 4PH), Pag-IBIG Fund continues to offer more affordable home financing options through its 3 percent subsidized rate for eligible socialized housing borrowers, ongoing promotional rates of 4.5 percent and 5.75 percent for low-cost to open-market homes, and higher maximum housing loan amount of ₱10 million, officials said.

Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Board of Trustees, said the agency’s subsidized rate of 3 percent per annum for eligible socialized housing borrowers, and promotional rates of 4.5 percent and 5.75 percent per annum for low-cost to open-market homes, cater to a broader market, from minimum-wage earners to middle-income workers, by keeping monthly payments within reach.

“Pag-IBIG’s promo rates are about making homeownership more affordable at a time when many Filipino families are carefully weighing the cost of buying a home,” Aliling said. “By lowering monthly amortization, we help more workers qualify for home financing, support stronger housing demand and encourage more activity in the housing market.”

Under the Expanded 4PH, Pag-IBIG’s housing loan rates are structured to serve members across income segments. Eligible socialized housing borrowers may avail themselves of the subsidized 3 percent rate, including for a house and lot worth ₱950,000 with monthly amortization as low as ₱4,005, while qualified members may avail themselves of the 4.5 percent promo rate for low-cost housing loans above the socialized housing threshold up to ₱4.9 million, and the 5.75 percent promo rate for loans above ₱4.9 million up to ₱10 million.

“Housing has a direct impact on the economy. Every home financed means work for builders, suppliers, transport providers, furniture makers, retailers and many other sectors connected to housing,” Aliling said. “This is why affordable home financing is not only good for Filipino families. It also helps create jobs, support businesses and move the economy forward.”

Officials said the promo rates provide qualified members with more affordable monthly payments, amid expectations that recent benchmark rate adjustments may lead to higher commercial housing loan rates.

Pag-IBIG Chief Executive Officer Marilene C. Acosta said the agency’s ability to offer below-market rates is a direct result of its strong financial position and prudent lending discipline.

“We are able to offer these lower rates precisely because of our strong financial position,” Acosta said. “Our total assets and net income have grown steadily, our collections remain healthy, and our members continue to save with us in record numbers. That financial strength allows us to pass on real savings to borrowers through lower monthly payments, while continuing to grow the funds entrusted to us by our members.”

Officials pointed to Pag-IBIG’s performance so far in 2026 as the foundation for these better housing terms. In the first five months of the year alone, members entrusted Pag-IBIG with ₱90.24 billion in savings, even as the agency released ₱55.26 billion in housing loans that financed 34,641 homes. These results, together with Pag-IBIG’s strong asset base and fiscal standing, further strengthen its capacity to sustain below-market housing loan rates while delivering competitive returns to members.

Acosta said this ability to make home financing more affordable while protecting members’ savings reflects the disciplined balance at the core of Pag-IBIG’s dual mandate. “Pag-IBIG’s housing and savings mandates are bound by one purpose, to help Filipino workers build financial security and achieve homeownership,” Acosta said. “Every housing loan we release draws strength from our members’ savings, while every peso we prudently manage keeps Pag-IBIG strong for the next family seeking a home. This balance allows us to deliver competitive savings returns and more affordable home financing at the same time, because the strength of one mandate sustains the other.”

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President Ferdinand R. Marcos Jr.’s Expanded Pambansang Pabahay para sa Pilipino Program continued to deliver new homes to Filipino families as the Department of Human Settlements and Urban Development (DHSUD) and Pag-IBIG Fund turned over house-and-lot units at Nuvista Homes Lipa last June 3 to Pag-IBIG Fund housing loan borrowers who purchased homes in the residential project.

The turnover followed recent government visits and similar activities in Expanded 4PH projects in Pampanga, Nueva Ecija, Laguna, Bacolod and other areas, reflecting the continued rollout of the administration’s housing program across the country.

DHSUD Secretary Jose Ramon P. Aliling and Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta led the inspection and turnover activity, together with officials of P.A. Properties, the project developer. During the event, Pag-IBIG Fund housing loan borrowers formally received the keys to their new homes. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, said the turnover reflects the Marcos administration’s resolve to make homeownership more accessible to Filipino workers and their families.

“We are pleased to report that the Expanded 4PH Program continues to benefit more Filipinos by helping families gain access to safe, decent and affordable homes,” Aliling said. “Through stronger collaboration between the public and private sectors, we are able to heed the directive of President Marcos to enable more Filipinos to move from aspiration to actual homeownership.”

Aliling said the continued rollout of the Expanded 4PH Program shows that the President’s housing directive is being translated into actual homes for more Filipinos.

“We will continue to accelerate housing delivery, strengthen partnerships and expand access to homeownership in more areas across the country,” Aliling said. “The direction set by President Marcos is clear: build faster, deliver better and make decent housing more attainable for Filipino families.”

Aliling, who recently marked his first year since his appointment as DHSUD Secretary, said the government remains focused on sustaining the momentum of the national housing program through stronger coordination with key shelter agencies, other government agencies, financing institutions and private developers.

Nuvista Homes Lipa is developed by P.A. Properties and offers house-and-lot units under three models, Marya, Yasmin and Solida, with prices ranging from P950,000 to P2.2 million. The residential project has a total of 1,160 ready for occupancy units with over 2,000 more units set for construction.

The project’s socialized housing component will be offered through the Solida house model, its most affordable unit option. With a selling price of about P950,000 and the benefit of the 3-percent subsidized interest rate under the Expanded 4PH Program, monthly amortization may be as low as P4,005 for qualified borrowers.

The visit also highlighted how Pag-IBIG Fund’s housing loan programs now support a wider range of homebuyers. Officials inspected Idesia, another residential project of P.A. Properties in Lipa, which offers units priced from P3.5 million to P7 million and may be financed through Pag-IBIG Fund following the recent increase in the maximum housing loan amount from P6 million to P10 million per borrower.

Acosta emphasized that Pag-IBIG Fund continues to make homeownership financially realistic for more Filipino workers across income segments.

“The Expanded 4PH Program is making more quality housing options available to Filipino families. Pag-IBIG Fund complements this by making these homes more affordable through financing terms that keep monthly payments within reach,” Acosta said. “Through our affordable housing loan programs, we help make monthly amortizations lighter and more manageable, so that more members can move closer to owning a home of their own.”

She said Pag-IBIG Fund’s housing loan programs are designed to support both low-income families seeking socialized housing and middle-income workers looking for homes in the open market.

“Every peso saved from monthly housing payments matters to our members. It can help pay for food, education, utilities, health care and other daily needs of the family,” Acosta added. “By offering affordable rates, long repayment terms and monthly payments designed to be easier on the family budget, Pag-IBIG Fund gives more Filipino workers a real and practical path to owning a safe and decent home.” She noted that Pag-IBIG Fund continues to provide the 3-percent subsidized rate for eligible socialized housing borrowers under the administration’s Expanded 4PH Program, even as it recently raised its maximum housing loan amount to P10 million to serve more Filipino workers seeking homes in the open market.

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Officials from the Department of Human Settlements and Urban Development (DHSUD) and Pag-IBIG Fund conducted a site inspection and ceremonial turnover of housing units under President Ferdinand R. Marcos Jr.’s Expanded Pambansang Pabahay para sa Pilipino Program in Cabuyao, Laguna, on May 21, 2026. The activity highlighted the government’s continuing efforts to help more Filipino families gain access to decent and affordable housing.

DHSUD Secretary Jose Ramon P. Aliling and Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, together with other government officials and private sector representatives, inspected Pasinaya Heights, one of the pioneering condominium developments in South Luzon under the Expanded 4PH Program.

During the event, Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, said the ceremonial turnover reflects the Marcos administration’s commitment to make homeownership more accessible to more Filipinos.

To date, nearly 300 Pag-IBIG Fund members have already purchased units in Pasinaya Heights through Pag-IBIG Fund’s affordable home financing program.

“President Marcos has been clear in his directive: decent and affordable housing must be brought closer to Filipino families, especially workers who need government support the most. Pasinaya Heights shows what can be achieved when government, Pag-IBIG Fund, and responsible private developers work together. Through the Expanded 4PH Program, we are turning the President’s housing directive into actual homes that Filipino workers can afford,” Aliling said.

The 2.5-hectare socialized condominium development consists of four seven-story residential towers with more than 2,700 housing units. It also features amenities such as a swimming pool, covered basketball court, playground, day care center, health care center, and open spaces for residents.

Acosta said Pasinaya Heights shows how the Expanded 4PH Program and the Pag-IBIG Housing Loan work together to help Filipino workers own homes through affordable monthly payments.

With the program’s subsidized 3-percent interest rate during the first five years, an eligible borrower buying a Pasinaya Heights unit valued at ₱1.404 million may pay about ₱5,919 per month. This is lower than the ₱8,644 monthly amortization under Pag-IBIG Fund’s regular housing loan rate, and is also below many condominium rental rates in nearby Laguna areas.

“Every peso saved from monthly housing payments matters to our members. It can help pay for food, education, health care, utilities and other daily needs of the family. Through the Expanded 4PH Program and Pag-IBIG Fund’s subsidized Housing Loan rate for socialized homes, Filipino workers now have a real and practical path to owning a safe and decent home. In doing so, we help ease the monthly burden of Filipino families, bring homeownership within their reach, and allow them to build a better future under a Bagong Pilipinas,” Acosta said.

Acosta likewise recognized Joy-Nostalg Hearth Corporation for its continued partnership with Pag-IBIG Fund in advancing socialized housing projects nationwide. She noted that the developer has consistently been recognized among Pag-IBIG Fund’s top-performing partners, reflecting its significant contribution to expanding access to affordable housing for Filipino workers.

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