What is PAG-IBIG End-User Housing Program?

The Philippine government is doing its best to provide programs for Filipinos that makes it easier to own a home. PAG-IBIG End-User Home Financing Program is one of them. All members of PAG-IBIG Fund with at least minimum wage income is eligible to avail for this program with at least 24 months of active membership and updated contributions.


You may avail of this program if you need to;

  • Purchase a fully-developed residential lot or adjoining residential lots not exceeding 1,000 sqm;
  • Purchase of residential house and lot, townhouse or condominium unit; Construction or completion of a residential unit on a residential lot owned by the member.
  • Home improvement
  • Refinancing of Existing Loan.


End-User Home Financing Program (EUF) is available for all active PAG-IBIG FUND members, including OFWs. That means;

  • You have made at least 24 monthly savings. You may also choose to pay the lump sum of 24 months to qualify.
  • You’re not more than 65 years old and/or not more than 70 years old by the time the last payment of your loan.
  • You have the legal capacity to acquire and own a real property
  • You’ve passed satisfactory background/credit and employment/business checks of PAG-IBIG FUND.
  • You have NO outstanding PAG-IBIG Short term loan in arrears at  the time of loan application;
  • You don’t have a PAG-IBIG Housing Loan that was foreclosed, canceled, bought back due to default, or subjected to dacion en pago; If you have an existing PAG-IBIG Housing Loan, either as Principal or co-buyer/borrower, it must be up-to-date. 
Dacion en pago is a Spanish term that means the giving back of the property mortgaged to the lender in exchange for the discharge of a mortgage debt. This procedure is usually resorted to by borrowers who cannot anymore meet their mounting obligations on the mortgage. [Source]


A qualified member may apply for a housing loan of up to a Six Million Pesos (P 6,000,000.00). Approval or granting of the loan will be based on the lowest of the following;

  • member’s actual need
  • desired loan amount
  • loan entitlement based on capacity to pay; and
  • the loan-to-appraised value ratio.

The interest rate to be charged shall be based on the chosen re-pricing period of the borrower under the Fund’s Full Risk-Based Pricing Framework.

To check if you are qualified to loan a certain amount of property you may check the PAG-IBIG Housing Loan Calculator so you will get estimates. Remember, these are just estimations and not the exact or actual amount upon loan approval.

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