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Manila Bulletin devider Philippines devider National devider DHSUD: New rule, more benefits allow more OFWs to avail of gov't housing program

DHSUD: New rule, more benefits allow more OFWs to avail of gov't housing program

Published Aug 4, 2025 01:14 pm

At A Glance

  • DHSUD Secretary Jose Ramon Aliling said OFWs may now avail of a housing unit regardless of their monthly income, which is the salient point of the Pag-IBIG Fund Circular No. 473 signed on July 10.
Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling (Photo: DHSUD)
Department of Human Settlements and Urban Development Secretary Jose Ramon P. Aliling (Photo: DHSUD)
The Department of Human Settlements and Urban Development (DHSUD) urged overseas Filipino workers (OFWs) to avail of housing program following the decision to ease the qualification and add more benefits to maximize the assistance of the national government.
DHSUD Secretary Jose Ramon Aliling said OFWs may now avail of a housing unit regardless of their monthly income, which is the salient point of the Pag-IBIG Fund Circular No. 473 signed on July 10.
The qualification of OFWs to avail socialized housing regardless of their monthly income under the Expanded 4PH is among the salient provisions of Pag-IBIG Fund Circular No. 473 signed by chief executive officer Marilene Acosta dated July 10, 2025.
Under the latest guidelines, Aliling said socialized vertical and horizontal housing enrolled into the Expanded 4PH will only be subjected to three percent interest rate for up to 10 years.
For instance, for socialized housing with the price of P850,000 (horizontal) and P1.5 million (vertical), an Expanded 4PH beneficiary who avails horizontal socialized housing will only be paying monthly amortization for as low as P3,583 instead of P5,233 with the prevailing interest rate. On the other hand, for those who will avail of the P1.5 million vertical unit, they will pay as low as P6,324 monthly instead of P9,235.
“This is almost half of the prevailing interest rate is 6.25 percent per annum. These rates could still be lowered further if the applicant-beneficiaries qualify for government subsidy,” said Aliling.
The qualification, however, is still subject to other requirements.
Among the requirements are: he/she should be a first-time homeowner, not more than 65 years old at the date of application, and must be insurable and not more than 70 years of age at loan maturity, among others.
As of 2023, there are an estimated 2.16 million OFWs around the world.
For non-OFWs, Filipino first-time homebuyers belonging to income deciles 7 and below are qualified to avail socialized housing units under the flagship program.
These are families with monthly income of not more than P47,000 for Metro Manila and P34,684 outside the capital.
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