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| Pag-IBIG membership (Regular Savings) opens up loan opportunities |
People who put their savings in Pag-IBIG Fund (otherwise known as Home Development Mutual Fund) earned more last year than in the previous five years, according to its annual report.
The Pag-IBIG 2025 dividend rates are 6.62% yearly for Pag-IBIG Regular Savings, and 7.12% yearly for Pag-IBIG MP2 Savings.
The 2025 rate for regular savings, which comprise the monthly
membership payments that open up a wide variety of housing and cash loan
schemes, was the highest since 2020. The rates stood at 6.60% in 2024, 6.55% in
2023, 6.53% in 2022, 5.50% in 2021 and 5.62% in 2020.
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| PINDUTIN DITO |
The regular savings can be withdrawn upon maturity or when one retires.
The same was true with MP2, a voluntary savings program in
which members can withdraw their dividends yearly or every five years, whose
rates stood at 7.10% in 2024, 7.05%
in 2023, 7.03% in 2022, 6.00% in 2021 and 6.12% in 2020.
The steady rise in earnings reflected the Fund’s strong
financial performance and prudent investment strategy, Pag-IBIG Fund said.
It said its investment income rose nearly 50% to ₱9.43
billion in 2025.
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| Basahin ang detalye! |
The stronger investment earnings helped lift Pag-IBIG Fund’s
overall financial standing. At year-end 2025, the agency’s total assets rose to
₱1.23 trillion, while its gross investment portfolio increased to ₱190.13
billion, up ₱55.27 billion or 41.0% from year-end 2024.
A large portion of the portfolio was invested in government
securities, with the remainder placed in time deposits, corporate bonds and
preferred shares, officials said, adding that these instruments undergo
rigorous review and are subject to established safeguards.
“Our commitment is clear: every peso earned is returned to
our members in the form of higher dividends and stronger programs,” Department
of Human Settlements and Urban Development (DHSUD) Secretary and Pag-IBIG Fund
Board Chairman Jose Ramon P. Aliling stated.
Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta added:
“This milestone is the result of sound fiscal management and the continued
trust of our members. We remain focused on growing their savings and securing their
financial future.”
