MORE than 50,000 housing units are being showcased by over 80 property developers at the country’s biggest National Housing Expo, offering Filipino families more choices and access to subsidized home loans under the administration’s Expanded 4PH housing program.
The two-day expo, which opened Monday, Oct. 19, at the SMX Convention Center Manila in Pasay City, brings major real estate developers and government housing agencies under one roof to make homeownership more accessible.
Organized by the Department of Human Settlements and Urban Development (DHSUD) and Pag-IBIG Fund, the event is part of the celebration of National Shelter Month and the largest edition of the government-led housing expo to date.
A major draw is Pag-IBIG Fund’s subsidized housing loan rates of 3 percent, 4.5 percent and 5.75 percent for qualified borrowers, depending on the applicable program and loan terms. Promotional rates will also be offered for eligible housing loans of up to P10 million.
The expo features housing units that meet the requirements of the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program, the administration’s flagship initiative to widen access to affordable housing.
Housing Secretary and Pag-IBIG Fund Board Chairman Jose Ramon Aliling said the growing support of leading developers strengthens the government’s efforts to carry out the president’s directive to make quality, safe and affordable homes accessible to more Filipinos.
“Under President Marcos’ Expanded 4PH Program, we are bringing government and the private sector together to give more Filipino families a real opportunity to own a home. The participation of our leading developers means more quality homes to choose from, while affordable financing through Pag-IBIG Fund helps put these homes within our workers’ reach. Our biggest-ever National Housing Expo is a concrete manifestation of this shared commitment, bringing the gains of our housing efforts closer to the people we serve,” Aliling said.
Expanded 4PH addresses both sides of the housing equation by bringing together more quality homes from developers and affordable financing through Pag-IBIG Fund, giving Filipino families more choices at monthly payments they can manage.
Under the program, qualified socialized housing buyers may avail of a 3 percent subsidized interest rate. For housing loan applications submitted from July 1 to Dec. 31, 2026, promotional rates of 4.5 percent per year apply to loans above the applicable socialized housing ceiling up to P4.9 million, while loans above P4.9 million up to P10 million qualify for a 5.75 percent annual rate. Both promotional rates are fixed for the first three years of the loan.
Pag-IBIG Fund Chief Executive Officer Marilene Acosta said affordable financing is helping more members find homes suited to their needs, preferred locations and capacity to pay.
“From minimum-wage earners to middle-income families, we want more Filipino workers to have a real opportunity to own a home. With our developer partners, we are bringing more choices within reach, including in-city condominiums near workplaces, so our members can find homes that suit their families and monthly payments they can afford. A home closer to work can also mean less spent on transportation and more time with loved ones,” Acosta said.
“When we bring these choices together with affordable financing and personal assistance, we help our members take a concrete step toward their own home. We want them to see how homeownership can fit into their family budget, with Pag-IBIG Fund by their side,” she added.
Participating developers include DMCI Homes, Rockwell Land Corp., Robinsons Land Corp., Megawide Construction Corp., Ayala Land’s Amaia and Avida brands, SM Development Corp. and Filinvest Land Inc.
