Pag-IBIG Fund
COVERAGE
Purchase of Residential Units
constructed in the
housing projects
accredited under the
4PH Program
ELIGIBILITY REQUIREMENTS
Active Member with 24 Months contribution
Not more than 65 y/o at the time of application and insurable, not
more than 70 at loan maturity
Has capacity to acquire & encumber real property
Passed satisfactory CIBI
No outstanding Short Term Loan in arrears on Pag-IBIG account
that was foreclosed, cancelled, boughtback
due to default.
NEW! ELIGIBILITY REQUIREMENTS under 4PH
Must be a nominee of the LGU, DMW, or any participating
Organization/Institution as lead agency, and/or DHSUD based on the
prioritization of the beneficiaries in accordance with the ff:
1 First-Time homeowner
2 Within the low-income classification
NOTE: If not a First-Time Homeownerand/or do not meet the prescribed low income classification
• May not be entitled to the interest subsidy but may qualify for
other forms of subsidy.
• HL application will still be taken out under this program.
INTEREST RATE & LOAN TERM
Interest Rate
• DHSUD IR subsidy not to exceed 5%
• Subsidized Interest Rate = Prevailing IR less DHSUD
Interest Subsidy
Loan Term
• Maximum of 30 Years
Update!
DHSUD & NEDA Joint Memorandum Cir. 2023-003
Building Unit Sizes (sqm) Selling Price
10 Floors and
above 27 1,620,000
4PH SUPPORT
Subsidized
Interest
Rate
Price LGU
Amortization
Subsidy Support
4PH SUPPORT –AMORTIZATION TABLE
(with 5% Interest subsidy from National Government thru DHSUD)
Monthly
Insurance Required
Amort (MA) DHSUD IS Borrower’s MA *Borrower Required Difference
No. FA @ IR 6.250% GMI –
Loan Amount @5 @ 1.250% s Total GMI in RGMI
of (sq. m.) Reg.
(P & I) % MRI / SRI NLI MA @ Subsidized Due to
Store MA @
(a) (b) 1.250% MA Govt
y 6.250%
@1.250% Subsidy
10
an
d
Up 27 1,620,000.0 9,974.62 6,724.23 3,250.39 364.50 286.90 3,901.79 28,498.91 15,424.79 13,074.12
0
*exclusive of Estate Management @
P25.00/sq.m.
**based on GAP computation
4PH SUPPORT –AMORTIZATION TABLE
(with 5% Interest subsidy from National Government thru DHSUD)
Monthly Insurance Required
DHSUD is Borrower’s *Borrowe Required Difference
No. of FA Amort (MA) GMI –
Loan @5% (b) MA @ rs Total GMI in RGMI
Storey (sq. @ IR 6.250% Reg.
Amount 1.250% MRI / SRI NLI MA @ MA @ Subsidized Due to
m.) (P & I)
(a) 1.250% 6.250% MA Govt
@1.250% Subsidy
10
and
Up
27 1,620,000.00 12,125.21 6,726.53 5,398.68 364.50 286.90 6,050.08 28,498.91 15,424.79 13,074.12
*exclusive of Estate Management @
P25.00/sq.m.
**based on LAP computation
Thank you.
