Check Here the Pag-IBIG Housing Loan Interest Based on Fixing Term
PAG-IBIG HOUSING LOAN INTEREST 2025 – Here is a guide for the members of the Fund who want to apply for the loan offer.
In the Philippines, there are state-run agencies that offer different loans exclusive for their members. One of these is the Pag-IBIG Fund. It has millions of members who have access to its multiple loan offers.
Among the different loans offered by the Pag-IBIG Fund for its members, the most popular offer is the Pag-IBIG Housing Loan. It is open to finance several purposes including the following:
- purchase of a fully developed residential lot or adjoining residential lots not exceeding 1,000 square meters
- purchase of a residential house and lot, townhouse or condominium uni
- pre-owned or brand-new units
- property mortgaged with Pag-IBIG Fund
- adjoining house and lots / townhouses / row houses / condominium units
- construction or completion of a residential unit on a residential lot owned by the borrower or a relative of the borrower
- home improvement
- refinancing of an existing housing loan
Countless Filipinos were able to acquire a residential property of their own through the Pag-IBIG Housing Loan offer. Undeniably, it is not only a popular offer among the Fund’s loan offers but also among the housing loans in the country.
The Pag-IBIG Housing Loan interest rates are low, thus, many Filipinos prefer it over the other housing loan offers. The interest rate depends on the chosen loan term of the member-borrower. The loan is payable for up to 30 years.
Here is a guide on the Pag-IBIG Housing Loan interest rates this 2025:
| Rates per Repricing Period, effective 01 January 2025 | |
| 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% |
The Pag-IBIG Housing Loan interest is based on a diminishing principal balance. The loan offer is covered by “a Mortgage Redemption Insurance (MRI) or a Sales Redemption Insurance (SRI), whichever is applicable, as well as a Fire and Allied Perils Insurance (FAPI)”.
Are you interested to apply for the Pag-IBIG Housing Loan offer? The documentary requirements depend on the purpose of the application for the housing loan offer. Here is a guide: