Pag-Ibig members’ 2025 savings hit P160.41B
Pag-Ibig Fund members’ savings hit a record high in 2025, providing the agency with a larger funding base to support low housing loan interest rates.
In a statement on Wednesday, the state-run housing agency said its savings climbed 21 percent to P160.41 billion in 2025, which is the highest in Pag-Ibig’s history.
“With P27.61 billion more savings collected in 2025 compared to the previous year, Pag-IBIG Fund’s solid financial position enables us to continue offering low-interest rates and to support the financing requirements of the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program,” Department of Human Settlements and Urban Development Secretary and Pag-Ibig Board of Trustees Chair Jose Ramon Aliling said.
In fact, last month, Pag-Ibig announced that it would maintain the 3-percent subsidized housing loan rate for the first five years of loans under the Expanded 4PH Program, following the government’s decision to raise price ceilings for socialized housing.
The strong collection was due to higher voluntary contributions reaching P93.6 billion, which accounted for 58 percent of the total. Of this, members collectively saved P83.51 billion under the Modified Pag-Ibig II (MP2) Savings Program.
“We are very pleased that MP2 Savings continues to encourage more Filipino workers to set aside money for their future,” Pag-Ibig Fund chief executive officer Marilene Acosta said.
Dividends
“In fact, a number of our MP2 savers, particularly retirees and pensioners, now call themselves ‘LODI,’ or ‘Living on Dividends,’ as they use their annual returns to help cover daily expenses. Our members can be assured that we will continue to manage their savings prudently and strive to provide the highest possible returns,” she added.
Voluntary savings are funds saved by members that went beyond their required P200 monthly contribution.
Additional monthly contributions totaled P10.09 billion, supplementing the P66.8 billion in mandatory monthly collections, Pag-Ibig said.
