Pag-IBIG Fund offers 40% discount on acquired assets

Pag-IBIG Fund has launched its Acquired Assets Super Sale, offering over 30,000 foreclosed properties at reduced prices.

The sale is part of the agency's initiatives under the Expanded Pambansang Pabahay para sa Pilipino (4PH) program to provide more ready-for-occupancy homes for Filipino workers.

The limited-time promotion, which runs from Aug. 25 to Dec. 14, 2025, offers discounts of up to 40 percent on occupied units and up to 35 percent on unoccupied units. This allows current occupants to legitimize ownership at a lower cost.

"I commend Pag-IBIG Fund for once again heeding the call to provide additional, practical options for Filipino workers to achieve homeownership at a lower cost," said Secretary Jose Ramon Aliling of the Department of Human Settlements and Urban Development, who chairs the Pag-IBIG Fund board of trustees.

"Through this Acquired Assets Super Sale initiative, Pag-IBIG Fund is able to offer more home options by integrating foreclosed properties into the Expanded 4PH housing pipeline, thereby expanding access to affordable, ready-for-occupancy homes," Aliling said.

The promotion increases existing discounts on all payment modes. Occupied properties receive an extra 10-percent discount, while unoccupied units get an additional 5 percent.

Pag-IBIG Fund said that for occupied properties under negotiated sale, cash purchases now have a 40-percent discount, up from 30 percent. Short-term installment payments are discounted by 30 percent, up from 20 percent, while purchases through Pag-IBIG housing loans are offered at a 20-percent discount, double the previous 10 percent.

Discounts on unoccupied properties have also increased to 35 percent for cash buyers, 25 percent for short-term installment buyers and 15 percent for those using Pag-IBIG housing loans.

The sale is open to all buyers, including non-members and current occupants. Eligible members, such as minimum- and low-wage earners and Overseas Filipino Workers, may use the Pag-IBIG Housing Loan under the Expanded 4PH Program, which features a subsidized 3-percent interest rate for the first five years.

This is applicable if the net selling price is within the P850,000 ceiling for house-and-lot units and P1.8 million for condominium units.

Pag-IBIG Fund chief executive Marilene Acosta affirmed the agency’s commitment to providing affordable home financing.

"By offering larger discounts through our Pag-IBIG Acquired Assets Super Sale, we are giving more Filipino workers even more opportunities to finally own a home," Acosta said.

"This is also the best time for current occupants of our foreclosed properties to settle with Pag-IBIG Fund and become legitimate homeowners," she said.

To promote transparency and expand participation, Pag-IBIG Fund also launched its Centralized Online Public Auction platform, allowing interested buyers to browse, bid, and purchase properties entirely online.

"Just in time for the Super Sale, we have enhanced our auction system to make the process fully digital," Acosta said.

"New batches of properties will be posted every week until Dec. 14, giving more Filipino workers the chance to participate,” she said.