Pag-IBIG
Pag-IBIG Fund is one of the best savings tools most Filipinos are already paying into but not maximizing. WisePH covers MP2 savings, housing loans, multi-purpose loans, calamity loans, and contribution guides. Whether you want to grow your money through MP2 or finally use your Pag-IBIG benefits, you'll find practical guides here. New to Pag-IBIG? Start with our Pag-IBIG guide, which puts every Pag-IBIG article in one place.
What happens to your Pag-IBIG savings and loans if you die?
TL;DR: When a Pag-IBIG member dies, beneficiaries receive the Total Accumulated Value (TAV) from regular savings, plus an additional death...
Read moreDetails
How to apply for a Pag-IBIG calamity loan (step-by-step guide)
TL;DR: The Pag-IBIG calamity loan lets qualified members borrow up to 90% of their Total Accumulated Value at 5.95% interest...
Read moreDetails
Pag-IBIG Housing Loan in 2026: Rates, Requirements, and What You’ll Actually Pay
TL;DR: Pag-IBIG housing loans in 2026 offer rates from 3% (socialized housing) to 9.75% (30-year repricing), but most borrowers on...
Read moreDetails
MP2 tax benefits Philippines: why your dividends are 100% tax-free under RA 9679
TL;DR: The MP2 tax benefits Philippines investors receive come from Republic Act 9679: dividends are 100% tax-free, nothing is withheld...
Read moreDetails
What Happens to Your Pag-IBIG MP2 After 5 Years? Maturity, Options & What to Do Next
TL;DR: When your MP2 account completes five years, it matures and stops earning at the high MP2 rate. You have...
Read moreDetails
Pag-IBIG MP2 Dividend Rate 2026: What 7.12% Actually Means for Your Savings
TL;DR: The MP2 dividend rate for 2025 earnings is 7.12%, announced by Pag-IBIG on February 27, 2026, the highest total...
Read moreDetails
Pag-IBIG Regular Savings vs. MP2: What Is the Exact Difference?
TL;DR: Pag-IBIG Regular Savings (MP1) is mandatory, builds your loan eligibility, and earned a 6.62% dividend in 2025. MP2 is...
Read moreDetails
Can I open multiple Pag-IBIG MP2 accounts for different goals?
TL;DR: Yes, you can open multiple Pag-IBIG MP2 accounts under the same MID. Each gets its own account number and...
Read moreDetails
How to apply for a Pag-IBIG Multi-Purpose Loan online (2026 guide)
TL;DR: The Pag-IBIG Multi-Purpose Loan (MPL) lets active members borrow up to 90% of their regular savings at a fixed...
Read moreDetails
What happens if I skip or miss a monthly Pag-IBIG MP2 contribution?
TL;DR: Skipping a Pag-IBIG MP2 monthly contribution does nothing to your account. No penalty, no late fee, no notification from...
Read moreDetails
