Pag-IBIG Fund recorded a 15 percent increase in total home loan releases, reaching P69.19 billion during the first half of 2026. This growth was primarily driven by a 118 percent surge in socialized housing loans under the government’s Expanded 4PH program, significantly expanding homeownership access for minimum-wage and low-income Filipino families.
The state-run housing lender reported a strong performance for the first six months of 2026, with total loan releases climbing to P69.19 billion from P60.25 billion in the same period of 2025. This 15 percent year-on-year growth, as reported by ABS-CBN, reflects a broader trend of increased financing activity across the agency’s portfolio.
Socialized Housing Surge Under Expanded 4PH
The most significant gains occurred within the socialized housing sector. According to Malaya Business Insight, socialized housing loans reached P6.70 billion between January and June 2026, representing a 118 percent increase compared to the previous year. The number of housing units financed in this category jumped 132 percent, totaling 6,601 units.
Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Fund Board of Trustees, noted that these figures demonstrate the reach of President Ferdinand Marcos Jr.’s flagship initiative. Our housing figures for the first half of the year reflect not just growth, but growth that reaches those who need it most,
Aliling said.
Strategic Shifts in Loan Terms and Capacity
To maintain this momentum and further assist low-income borrowers, the agency has adjusted its financial offerings. Pag-IBIG Fund continues to provide a subsidized 3 percent interest rate specifically for eligible socialized housing borrowers. Additionally, the agency has introduced promotional rates of 4.5 percent and 5.75 percent for low-cost, medium-cost, and open-market housing loans.
The agency also raised its maximum housing loan ceiling to P10 million to accommodate a broader range of housing options. Pag-IBIG Fund Chief Executive Officer Marilene Acosta emphasized that these measures are designed to make monthly payments more manageable, often resulting in costs lower than traditional rent. This means more Filipino families are no longer just dreaming of a home, but are now able to call one their own,
Acosta stated.
Public-Private Collaboration and Future Outlook
The agency’s strategy relies heavily on its partnership with private developers to increase the supply of affordable units. Secretary Aliling highlighted that the government’s ability to provide faster processing and higher loan ceilings has created a foundation for continued growth.
“We have shown that government can act by offering more affordable loans, a higher loan ceiling, and faster processing. We now look forward to working even more closely with the private sector, especially our developer partners, to build more quality homes at prices our members can afford. By joining hands, we can help more Filipino families turn their dream of owning a home into reality.”
Jose Ramon Aliling, Secretary of the Department of Human Settlements and Urban Development
As of July 2026, socialized housing accounts for 15 percent of all units funded by the agency. Officials from the Pag-IBIG Fund indicated that they intend to sustain these efforts through continued direct investment in housing projects and ongoing support for the Expanded 4PH program.
Sources: Sunstar.
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