How Much Is The Maximum Housing Loan In Pag Ibig?

Have you been considering getting a housing loan from Pag-IBIG? If so, you’re not alone. Many Filipino citizens are turning to the Philippines Home Development Mutual Fund for affordable housing financing options. But before signing up for any type of loan, it’s important to be informed about how much you can borrow and what the repayment terms are.

This blog post will explore the basics of Pag-IBIG housing loans and help you decide if they are right for you.

how much is the maximum housing loan in pag ibig

The maximum housing loan amount that can be availed from Pag-IBIG Fund is Php 6 million. However, the actual loanable amount may vary depending on factors such as the borrower’s income, payment capacity, and credit history. It is best to check with Pag-IBIG Fund for the most updated information on the maximum loanable amount.

What is a Pag-IBIG Housing Loan?

Pag-IBIG stands for “Philippine Amelioration Guarantee Corporation” and is an acronym used by the Philippine government to refer to its home loan program. The program is designed to provide financial assistance to those who are in need of housing but cannot afford it on their own. It does this through low interest rates and flexible payment terms that make it easier for individuals or families to purchase or build their own homes with little or no money down.

How Much Can I Borrow With a Pag-IBIG Housing Loan?

The maximum amount you can borrow with a Pag-IBIG housing loan varies depending on your income and other factors such as credit rating, existing debts, etc., but generally speaking, most people can expect to receive between Php450,000 and Php6 million in funds. Additionally, some borrowers may be eligible for additional benefits such as discounts on interest rates or even free insurance coverage on their loans.

What Are the Repayment Terms?

The repayment terms of a Pag-IBIG housing loan depend on several factors including your monthly income, the amount borrowed, and your current credit rating. Generally speaking, most borrowers will have between 10 and 30 years to repay their loans in full but there may be exceptions depending on individual circumstances. Additionally, most loans also require periodic payments of principal plus interest which must be made on time in order to avoid penalty fees.


For many Filipinos seeking affordable housing financing options, applying for a Pag-IBIG Housing Loan is a great way to do just that!

With maximum borrowing amounts ranging from Php 450 000 up to Php6 million and flexible repayment terms that range from 10 – 30 years depending on an individual’s circumstances; these loans offer an accessible way for Filipinos from all walks of life to achieve home ownership without breaking the bank!

So if you’ve been considering taking out a housing loan from Pag-IBIG then hopefully this blog has provided some useful information that will help inform your decision-making process!



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