Check Here the Pag-IBIG Cash Loan Interest Rate 2026 Implemented under the Offer
PAG-IBIG CASH LOAN INTEREST RATE 2026 – Here is a guide on the important details set under the Fund’s Multi-Purpose Loan (MPL) offer.
In the Philippines, one of the state-run entities with a multi-million member populace is the Pag-IBIG Fund. Unlike the social insurance giants like the Government Service Insurance System (GSIS) and the Social Security System (SSS), its membership is open for both employees of the government and those of the private sector.
The Pag-IBIG Fund membership is also open for self-employed individuals, overseas Filipino workers (OFWs), and voluntary members. To keep an account active, a member must regularly post the Pag-IBIG Fund monthly contribution. An updated account can qualify you to several beneficial offers of the Fund.
The Pag-IBIG Fund has several loan offers. Aside from its most popular loan offer, the Pag-IBIG Housing Loan, the state-run entity also has a cash loan offer that can attend to several purposes — the Multi-Purpose Loan offer or also called the MPL.
You may apply for the Pag-IBIG cash loan offer to travel, make a personal purchase, expand your business, enroll in a course, pay for your utility bills, etc. You can have your money in as fast as two (2) working days.
The Fund allows members to borrow up to an equivalent of “80% of their total Pag-IBIG Regular Savings, which consist of their monthly contributions, their employer’s contributions, and accumulated dividends earned”. The state entity vows a low Pag-IBIG cash loan interest rate under its offer.
The Pag-IBIG cash loan interest rate under the Multi-Purpose Loan is 10.5% per annum. You may repay the loan for up to 36 months or within three (3) years.
Furthermore, another advantage aside from the low interest rate is that the first payment is deferred by the Fund. Thus, you begin the loan repayment on the second month after the releasing of the cash loan proceeds.
Also, a part of the money you are paying for the Pag-IBIG cash loan interest actually returns to you through the dividends that your savings are earning. The loan offer is open not only for the locally-employed and self-employed members of the Fund but as well as the OFWs.
The requirements in applying for the Pag-IBIG Multi-Purpose Loan offer vary. Here’s a guide: