Pag-IBIG Rates & Numbers: The Complete Reference
MP2 & Regular Savings
| MP2 | Regular Savings | |
|---|---|---|
| Latest declared rate (2025) | 7.12% | 6.62% |
| Minimum contribution | ₱500 | Set by salary bracket — see the contribution table |
| Maximum principal | ₱20000000 | Capped by salary bracket, up to ₱10000 Modified Fund Salary |
| Term | 5 years per contribution | 20 years, or on membership maturity |
9-year dividend history:
| Year | MP2 | Regular Savings |
|---|---|---|
| 2025 | 7.12% | 6.62% |
| 2024 | 7.1% | 6.6% |
| 2023 | 7.05% | 6.02% |
| 2022 | 7.03% | 6% |
| 2021 | 6% | 5.16% |
| 2020 | 6.12% | 5.53% |
| 2019 | 7.23% | 6.12% |
| 2018 | 7.41% | 6.19% |
| 2017 | 8.11% | 7.09% |
Full context and analysis of this history is in MP2 Dividend History.
Contributions
The Modified Fund Salary (MFS) ceiling used to compute mandatory Regular Savings contributions is ₱10000. For the full bracket table showing exactly how contribution amounts scale below that ceiling, see Pag-IBIG Contribution Table, Explained or use the Contribution Calculator directly.
Multi-Purpose Loan (MPL)
| Current figure | |
|---|---|
| Interest rate | 17.5% per annum, diminishing balance |
| Max loanable amount | 90% of TAV |
| Minimum contribution history | 12 months |
Full mechanics in MPL: The Complete Guide and MPL Interest & Terms: The Fine Print.
Calamity Loan
| Current figure | |
|---|---|
| Interest rate | 5.95% per annum |
| Max loanable amount | 90% of TAV |
| Minimum contribution history | 12 months |
See MPL vs. Calamity Loan for when each one applies.
Housing Loan
Maximum loan amount: ₱10,000,000
Standard rate tiers, by fixing period:
| Fixing Period | Rate |
|---|---|
| 5 years | 6.5% |
| 10 years | 7.125% |
| 15 years | 7.75% |
| 20 years | 8.5% |
| 25 years | 9.125% |
| 30 years | 9.75% |
Promotional / subsidized tiers:
| Program |
|---|
| Expanded 4PH Subsidized — 3.00% (Socialized Housing, income-qualified, first 5 years, extendible to 10) |
| Promo — 4.50% (House & Lot ₱950K–₱4.9M or Condo over ₱1.8M, first 3 years, through Dec 2026) |
| Promo — 5.75% (over ₱4.9M up to ₱10M, first 3 years, through Dec 2026) |
Promo rates are time-limited and the Expanded 4PH rate is income- and property-qualified — see Housing Loan Interest Rate Tiers, Explained and Affordable Housing Program (AHP) Qualification for eligibility.
Other housing loan figures:
| Current figure | |
|---|---|
| Minimum contribution history | 24 months |
| Built-in reserve at release | 1 month's amortization |
| Estimated fees (illustrative, not an official rate) | 5% |
| Estimated max DTI (illustrative, not an official rate) | 35% of gross monthly income (max amortization-to-income) |
Last verified
Every figure above is checked directly against pagibigfund.gov.ph or the underlying circular, not against secondary sources repeating each other. Two figures above are explicitly labeled illustrative estimates rather than official Pag-IBIG rates (the housing fee estimate and the DTI ceiling) because Pag-IBIG’s own published materials don’t state a specific official figure for either — that distinction is preserved here rather than presented as more certain than it is.
This guide is educational and does not constitute financial advice. Rates and ceilings can change by circular at any time — always confirm current figures directly with Pag-IBIG Fund before making a financial decision based on a number from this page.
Frequently asked questions
How often do these rates change?
Dividend rates (MP2, Regular Savings) are declared annually by Pag-IBIG's Board of Trustees. Loan rates and ceilings (MPL, Calamity Loan, Housing Loan) change by circular, on no fixed schedule — sometimes years apart, sometimes more than once in a year.
Where do these numbers come from?
Every figure on this page is sourced and dated directly against pagibigfund.gov.ph, with the specific circular number cited where one exists. Check the "last verified" date next to each figure rather than assuming it's current if you're reading this well after publication.
Why does the housing loan rate depend on the fixing period?
Pag-IBIG structures its housing loan rate as a tiered table by repricing/fixing period rather than a single flat rate — a shorter fixing period generally carries a lower rate than a longer one. See the full breakdown in Housing Loan Interest Rate Tiers, Explained.
Is the 3% Expanded 4PH rate available to everyone?
No — it's income- and property-qualified, specifically for socialized housing under the Expanded 4PH program. See Affordable Housing Program (AHP) Qualification for the eligibility details.
What if a figure on this page looks wrong or outdated?
Please flag it through this site's Correction Policy — this page is exactly the kind of content that policy exists for, and figures here are corrected the same way any other verified fact on this site would be.
Sources
Next steps
- Use the calculator that matches whichever program you're looking at for a personalized figure, not just the headline rate.
- Check the verification date next to any figure before treating it as current, especially if you bookmarked this page a while ago.
- If you spot something that looks outdated, see the Correction Policy for how to flag it.
Related guides
Pag-IBIG Housing Loan Interest Rate Tiers Explained
How fixing periods work, the current promo vs. standard rates, and how to actually choose between them.
MP2 Savings: The Complete Guide
What Modified Pag-IBIG 2 actually is, who can open one, how dividends work, and everything else you need before you put money into it.
Multi-Purpose Loan (MPL): The Complete Guide
Eligibility, how much you can borrow, the actual rate, and how to apply — everything you need before taking out a Pag-IBIG MPL.
MPL vs. Calamity Loan: Which One Should You Apply For?
Both borrow against your Pag-IBIG savings — here's how the rate, eligibility, and purpose actually differ, with a worked example.
Pag-IBIG Contribution Table Explained (2026)
Why your Pag-IBIG deduction is capped at ₱200, how the rate actually works, and why the cap doubled in 2024.
Pag-IBIG Housing Loan Requirements & Application Process
The eligibility requirements, documents, and step-by-step process for a Pag-IBIG housing loan — from contribution history to loan release.
This guide is educational and does not constitute financial, tax, or legal advice. Figures are illustrative unless directly sourced and cited above. Confirm current rates and requirements with Pag-IBIG Fund before acting on anything here.