Pag-IBIG Fund members socked away a record P160.41 billion in savings in 2025, smashing the previous year’s haul by 21 percent and setting the highest annual collection in the agency’s history.
In a nation known for resilience — and the occasional budol — disciplined saving appears to be having a moment.
The surge was powered largely by voluntary contributions, particularly through the ever-popular Modified Pag-IBIG II (MP2) Savings Program. Of the total collections, mandatory monthly contributions accounted for P66.80 billion. But it was voluntary savings that stole the show, making up the bigger slice of the pie.
Voluntary savings hit P93.60 billion, or 58 percent of total collections, according to Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta. Members’ additional monthly contributions alone reached P10.09 billion — clear evidence that more Filipinos are going beyond the required P200 monthly contribution.
“Our members are choosing to save more voluntarily—so much so that voluntary savings have now surpassed mandatory contributions,” Acosta said, crediting growing trust in Pag-IBIG’s consistently competitive dividend rates.
MP2 remained the star performer, with collections climbing to P83.51 billion in 2025, making it the primary engine behind the record-breaking year.
Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, said the P27.61-billion year-on-year increase strengthens the agency’s ability to keep housing loan rates low and support financing for the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program.
If 2025 proved anything, it’s that when returns are attractive and trust runs high, Filipinos don’t just save for a rainy day — they prepare for a real estate downpour.
