ANO-ANO PO ANG INTEREST RATE AT LOAN TERMS ? CIRCULAR 310 vs 312

Pag-IBIG housing loans shall be charged with interest rates based on the Fund’s pricing framework. Said interest rates shall be re-priced periodically depending on the chosen re-pricing period of the borrower whether it is after every three (3), five (5), ten (10), or fifteen (15) years.

1. Interest Rate for Houses bought from Developers

• -Loan Value up to Php400,000.00 - 4.50% per year
• -Loan Value up to Php750,000.00 - 6.50% per year
• -Loan Value over Php750,000.00 - 7.98 % per year

2. Interest Rate for Retail Housing Loans – Individual Applications

Loan Value up to Php6,000,000.00:
3 yrs. - 7.375%
5 yrs. - 8.250%
10 yrs. – 9.0%
15 yrs. - 9.625%
25 yrs. - 10.25%
20 yrs. - 10.875%
30 yrs. - 11.375%
Note: Rates may change. Always check with Pag ibig website.

http://www.pagibigfund.gov.ph/