Kapag handa ka nang bumili ng bahay, isa sa mga pinaka-importanteng desisyon ay kung anong financing option ang pipiliin mo: Pag-IBIG o Bank Financing? Parehong may mga advantages, pero iba-iba ang magiging “best choice” depende sa income, lifestyle, timeline, at financial goals mo.
Upang makapili ka nang mas maayos, here’s a quick breakdown ng Pag-IBIG vs Bank Financing.
Pag-IBIG Financing
✅ Mas mababa ang interest
Pag-IBIG offers competitive and fixed interest rates, usually mas mababa kumpara sa regular bank rates. For example, you can get around 6.25% for a 3-year repricing term, at as low as 3% para sa socialized housing under their Affordable Housing Program. Kung long-term savings ang hanap mo, malaking tulong ito.
✅ Pwede hanggang 30 years to pay
One of the longest payment terms in the market — up to 30 years! This means mas magaan ang monthly amortization. Maganda ito lalo na kung gusto mong i-balance ang bahay payments mo sa iba pang gastusin gaya ng kuryente, tuition, o groceries.
✅ Swak sa mga may regular na hulog sa Pag-IBIG
Kung active ka na sa Pag-IBIG at updated ang monthly contributions mo, mas mabilis ang processing at approval.
Tip: Kahit bago ka pa lang, pwede ka pa rin mag-apply! Kailangan mo lang magbayad ng lump sum ng 24 months na contribution — at once kompleto na ang requirements, eligible ka na rin agad.
✅ Mas friendly sa low to mid-income earners
Talagang dinisenyo ang Pag-IBIG Fund para tumulong sa mga ordinaryong Pilipino na makamit ang pangarap na bahay. Kahit hindi kalakihan ang sahod mo, may chance ka pa rin ma-approve basta pasok ka sa qualifications.
Bank Financing
✅ Mas mabilis ang proseso
Kapag kumpleto ang requirements mo, banks can process your loan in as fast as 5 to 15 working days. Kung kailangang ma-process agad ang financing. Halimbawa, may reservation deadline sa developer, this is a big advantage.
✅ Mas mataas ang loanable amount
Kung mataas ang income mo at maganda ang credit standing, banks can offer a bigger loan. Ideal ito kung ang target property mo ay nasa mid-to-high-end range.
✅ May special promos at discounts
From time to time, may mga banks ngayon ang may limited-time promos gaya ng:
Lower interest rates (e.g., 5.90% fixed for 1 year) .
After the 1-year fixed promo rate (e.g., 5.90%), the interest usually reverts to the bank’s prevailing rate at the time of repricing. This is called the repricing rate, and it can vary depending on the market.
For example:
After the 1-year promo ends, your loan might shift to a repricing rate of around 6.5% to 7.5% (or more), depending on the bank’s current pricing and your loan profile.
Waived processing fees
Discounts or cashback kapag partner developer ang binilhan mo
Magandang i-consider ito lalo na kung naghahanap ka ng dagdag na savings.
✅ May pre-approval or online application
Convenience is key! Karamihan sa mga bangko ngayon ay may online application portal. Puwede ka ring magpa-pre-approve online to check if you qualify before submitting full documents less hassle, less stress. Para hindi mahirapan, pa assist ka sa iyong licensed broker or accredited agent.
Walang Tama o Mali — Depende sa’yo!
Pagdating sa housing loan, walang one-size-fits-all solution.
Ang mahalaga, piliin mo kung ano ang mas swak sa situation mo ngayon at sa hinaharap.
Ang pinakamahalaga: mag-decide base sa kakayahan, priorities, at long-term goals mo.
Hindi kailangang perfect — basta tama para sa’yo.
Your dream home is possible — whether through Pag-IBIG or your trusted bank.
