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The loan had a lower interest rate compared to the prevailing rate in the market and payable in longer terms. Pag-IBIG Fund offers a home loan at a low interest rate of 4.5% (for ₱450,000 loan) with a loan term of up to 30 years. A qualified member can get a maximum loan amount of up to ₱6 million.
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Average mortgage rates edge higher for 30-year and 15-year terms as of Wednesday, December 18, 2024, as the Federal Reserve is set to conclude its final policy session of the year.
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The popular loan product averaged 6.72% throughout the year, compared to 6.81% throughout 2023, even as the Federal Reserve cut its benchmark interest rate three times in 2024.
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