Check Here the Pag-IBIG Housing Loan Interest 2026 Based on Fixing Term
PAG-IBIG HOUSING LOAN INTEREST 2026 – You can check here the important details about the Fund’s loan offer for qualified members.
Are you one of the members of the Pag-IBIG Fund? Millions of Filipinos have acquired their dream house through the Housing Loan offer of the state-run entity and you might be planning to take the first step towards your dream house, too.
There are several loans offered by the Pag-IBIG Fund for its members. Among the numerous offers which have kept expanding through the years, undeniably, the most popular loan 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
In fact, you may also apply for the Pag-IBIG Housing Loan for combined loan purposes — a vacant lot acquisition and a house construction. The Fund offers a very low Pag-IBIG Housing Loan interest rate and flexible loan terms that pave the way for low monthly dues.
The Housing Loan is payable for up to 30 years depending on your age at the time of the loan application. Thus, it is really possible to be paying for a house that is yours with a lesser amount than paying for a rest. You can check the Pag-IBIG Housing Loan interest below.
The Pag-IBIG Housing Loan interest rate depends on the repricing period. Here’s a guide:
| 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 is implemented based on a diminishing principal balance. The Housing Loan 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)”.
The Housing Loan offer is open for both locally-employed and self-employed members of the Fund as well as overseas Filipino worker (OFW) members. There are varying requirements by the Fund and here’s a guide: