The Expanded 4PH Program (Pambansang Pabahay para sa Pilipino) lets qualified Pag-IBIG members buy a home with a subsidized 3% interest rate. It is run by the Department of Human Settlements and Urban Development (DHSUD) with Pag-IBIG Fund.
This is an independent guide. For official transactions, use the Pag-IBIG Fund website, Virtual Pag-IBIG or a Pag-IBIG branch.
The 3% Interest Rate
- 3% a year for the first 5 years of the loan
- Can be extended for another 5 years if you still qualify based on your monthly income
- Early Bird Promo: the first 30,000 borrowers get 3% for the first 10 years
- After the subsidized period, the rate follows the repricing period you choose
Who Qualifies
- First-time homebuyer and a beneficiary of Expanded 4PH
- Gross monthly income below ₱47,855.82 if working in NCR, or below ₱34,685.82 if working outside NCR
- OFWs can qualify regardless of income
- Active Pag-IBIG member with at least 12 monthly contributions
- Not over 65 years old when applying, and not over 70 when the loan ends
- Legal capacity to buy and mortgage property
- Passes background, credit and employment or business checks
- Short-Term Loan (if any) is updated
- No previous Pag-IBIG housing loan that was foreclosed, cancelled, bought back or voluntarily surrendered
Requirements
- Two copies of the completed Housing Loan Application form
- Proof of income
- One valid ID
- Health Statement Form
How Much You Can Borrow
The loan cannot go over the Expanded 4PH price ceiling. It can cover the selling price, an estate management fee for 10 years (if applicable), other housing costs like non-life insurance, and up to ₱100,000 for home upgrades. The final amount depends on your capacity to pay and the appraised value.
The loan term is up to 30 years.
How to Apply
- Choose a project from the list on the Pag-IBIG Expanded 4PH page.
- Click “Magpalista Na” to register.
- Wait for an SMS telling you whether you pre-qualified.
- If you pre-qualify, go to the developer’s office to start your housing loan application.
You can check your registration with the “Track Registration Status” button on the same page.
4PH vs Regular Pag-IBIG Housing Loan
| Expanded 4PH | Regular housing loan | |
|---|---|---|
| Interest rate | 3% (subsidized) | Promo 4.5% or 5.75% for 3 years, or standard rates |
| Income limit | Yes | No fixed limit |
| First-time homebuyer only | Yes | No |
| Maximum loan | Up to the 4PH price ceiling | Up to ₱10 million |
See also the Pag-IBIG housing loan requirements.
Beware of Scams
Pag-IBIG warns members not to give OTPs or bank details to callers. It lists its official telesales numbers on the 4PH page.
Frequently Asked Questions
What is the interest rate of 4PH?
3% a year for the first 5 years, extendable by 5 more years if you still qualify. Early Bird borrowers get 3% for 10 years.
Can OFWs apply for 4PH?
Yes. OFWs can qualify regardless of their monthly income.
How many contributions do I need?
At least 12 monthly contributions.
