Guide on Pag-IBIG Housing Loan Interest Rate 2026 & Other Loan Terms
PAG-IBIG HOUSING LOAN INTEREST RATE 2026 – You can check here the details regarding the interest rate applied by the Pag-IBIG Fund.
Are you one of the millions of Filipinos who are members of the Pag-IBIG Fund? For many Filipinos inside and outside of the Philippines, the Pag-IBIG Housing Loan has been the gateway to finally owning their dream home. If you’re planning to take that step yourself, this program could be the right help for you.
The Pag-IBIG Fund offers different loans to its members. Undeniably, among its many offers, the most sought-after remains the Pag-IBIG Housing Loan. It can be used for several purposes including the following:
- Purchase of a fully developed residential lot or adjoining lots not exceeding 1,000 square meters
- Purchase of a residential house and lot, townhouse, or condominium unit
- Pre-owned or brand-new units
- Properties mortgaged with Pag-IBIG Fund
- Adjoining house and lots / townhouses / row houses / condominium units
- Construction or completion of a residential unit on a lot owned by the borrower or a relative
- Home improvement projects
- Refinancing of an existing housing loan
Under the Pag-IBIG Housing Loan, you can even combine loan purposes. You can buy a vacant lot and build a house on it under one loan. What makes this program attractive is its low Pag-IBIG Housing Loan interest rate as well as the flexible payment terms.
The loan can be stretched up to 30 years — this helps keep the monthly amortizations affordable. The maximum loan term depends on the borrower’s age at the time of application. The options makes it possible to pay for a home at a cost lower than renting.
Below is a guide to the Pag-IBIG Housing Loan interest rate:
| Interest Rates per Repricing Period | |
| 1-Yr* Fixing | 5.750% |
| 3-Yr Fixing | 6.250% |
| 5-Yr Fixing | 6.500% |
| 10-Yr Fixing | 7.125% |
| 15-Yr Fixing | 7.750% |
| 20-Yr Fixing | 8.500% |
| 25-Yr Fixing | 9.125% |
| 30-Yr Fixing | 9.750% |
According to the Fund, the Pag-IBIG Housing Loan interest rate is applied on a diminishing principal balance. The loan is also protected by insurance coverage such as Mortgage Redemption Insurance (MRI) or Sales Redemption Insurance (SRI), along with Fire and Allied Perils Insurance (FAPI).
The loan offer of the Pag-IBIG Fund is open to both locally-employed and self-employed members, as well as overseas Filipino workers (OFWs). While the requirements vary depending on employment type, the Pag-IBIG Housing Loan remains one of the most accessible and affordable financing options for Filipinos who aim to secure their own home.
Here is a guide on the requirements set by the Fund depending on the purpose of the loan application:
