Pag-IBIG Fund Sets Record, Boosts Members’ Earnings

photo from: Presidential Communications Office  

Pag-IBIG Fund members are in for a pleasant surprise this year. The agency has declared a record-breaking ₱64.34 billion in dividends for 2025, the highest in its 45-year history. For millions of Filipinos who entrust their savings to Pag-IBIG, that translates to stronger returns: 6.62% for Regular Savings and an even higher 7.12% for MP2 Savings.

The announcement, made during the Chairman’s Report at the Philippine International Convention Center, was more than just numbers. It was a celebration of how collective savings and responsible management can deliver tangible rewards. Secretary Jose Ramon P. Aliling, who chairs the Pag-IBIG Fund Board of Trustees, described the payout as proof of the agency’s solid fiscal footing and its commitment to give back to members. “This past year, we reaffirmed Pag-IBIG Fund’s role as the country’s leading institution for housing finance and savings,” he said, noting that the agency’s performance allows it to keep housing loans affordable while growing members’ nest eggs.

The figures tell the story: ₱65.28 billion in net income, a record ₱140.54 billion in housing loans financing nearly 91,000 homes, and ₱160.41 billion in membership savings collections, much of it from voluntary contributions. It’s a sign that more Filipinos are actively saving—and reaping the benefits.

Chief Executive Officer Marilene C. Acosta underscored the impact on everyday members. “When Pag-IBIG performs well, our members benefit the most,” she said. Dividends will soon be credited to accounts, and members are encouraged to check their balances through Virtual Pag-IBIG.

Beyond the financials, the announcement carried a broader message: Pag-IBIG Fund is positioning itself not just as a savings and housing finance institution, but as a partner in building a more secure future for Filipino families. In the words of its leaders, the agency stands aligned with the national vision of a Bagong Pilipinas—uplifting lives, strengthening communities, and bringing more Filipinos closer to homeownership.