Home » Home Loans » Lower Pag-IBIG Housing Loan Interest Rates Starting June 1, 2015 Under End-User Financing Program

Lower Pag-IBIG Housing Loan Interest Rates Starting June 1, 2015 Under End-User Financing Program

Here’s good news, Pag IBIG has just lowered housing loan interest rates under their End-User Financing program. The new interest rates were shared through the official Pag-IBIG Fund (HDMF) facebook page. Check out the details below.

Based on the photo from their facebook page above, the new interest rates are as follows:

Fixed PeriodInterest Rates
Applicable to End-User Financing Program (Effective June 1, 2015)

Note: The new interest rates shall take effect for new housing loans that will be approved starting June 1, 2015.

We also confirmed the new interest rates when we visited the official website of Pag-IBIG. You will see a banner on their homepage that leads to a PDF file with the new interest rates, as seen below.


For more information:

If you need more info, please contact Pag-IBIG directly through the following:

Cheapest mortgage rates…

With this update, Pag-IBIG now has the cheapest mortgage rates when the payment term is 15 years and above.

Security Bank still offers the lowest rate for a 10-year fixing period at only 8% per year.

Anyway, you can compare the interest rates from Pag-IBIG and other banks by visiting our home loan rates comparison chart, which we have just updated.

Home loan rates comparison chart updated

With the new interest rates from Pag-IBIG, we have also updated our Home Loan Interest Rates Comparison Chart, which you can access below.

We are also in the process of updating the rates for other banks, so if you know of other banks/lending institutions that have updated their interest rates, please let us know by leaving a comment below. Thanks.

P.S. If you are wondering if It’s possible to restructure existing Pag-IBIG housing loans with their lower interest rates, the answer is Yes (I have actually done this!). I will tackle this in another article… please watch for it!

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About Jay Castillo
People encounter problems and make mistakes when buying foreclosed properties, and Jay wants to help people avoid those problems/ mistakes. Jay encountered a lot of those, which is why he started this blog in 2008 to serve as a guide where he shares lessons learned, and how to overcome challenges you may encounter when investing foreclosed properties in the Philippines … [Read more]
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3 thoughts on “Lower Pag-IBIG Housing Loan Interest Rates Starting June 1, 2015 Under End-User Financing Program”

  1. I’m an ex-OFW from Libya. We were repatriated in March 2011. The problem is i’m paying a 284 sqm lot, and it cost 1.2 M. I have paid around 300K. Do you think PagIBIG can help me to own this lot? I want a smaller amortization because I cannot afford a higher one since I’m no longer working abroad. My only resources now is 3 unit of jeepney and 4 door apartment. I need this lot badly because I’m going to use it as workshop and garage for jeepneys coz i’m planning to acquire more units. Hoping for some advice.

  2. Pag_ibig Fund has no lovefor its clients…they only love the likes of Manny Villar and Delfin Lee who both drained their Funds. People should instead go to commercial banks for housing loans since its more affordable. I know I experienced Pag-Ibig Fund fake love to housing clients.

    • Hi Rolly, I’m sorry to hear you’ve had a bad experience.

      For me, Pag-IBIG has been very helpful. When our house got devastated by Ondoy, we got 3 months loan amortization moratorium and then we were able to claim flood damage insurance. Later on, I was also able to lower my monthly amortization for the same house from more than Php15,200/mo (with 12% annual interest) to just about Php9K/mo (6.985% annual interest).


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