Pag-IBIG Reaches P30-B Net Income in 2020

4 March 2021
Written by: Angel Gondra


Pag-IBIG Fund top executives announced last Wednesday, March 3, that it posted net income of over Php 30 billion in 2020 for the fourth consecutive year even with the economic slowdown brought by the pandemic.


Secretary Eduardo D. del Rosario, head of the Department of Human Settlements and Urban Development and the Chairman of Pag-IBIG Fund Board of Trustees, gladly reported that their net income reached Php 31.18 billion last year, marking the fourth consecutive year that Pag-IBIG Fund surpasses its Php 30-billion target net income. According to him, this shows that Pag-IBIG Fund remains strong even during the pandemic. This also shows that the Filipinos funds gained from their hard work are being managed properly by their agency. And as their support to President Rodrigo Duterte's call for government agencies in providing more social benefits to Filipinos, they decided to give back around 94% of their net income, which is Php 29.40 billion, to its members in the form of dividends.


According to del Rosario, they are required to declare at least 70% of their annual net income as per Pag-IBIG Fund's charter that must be credited proportionately to its members' savings. This year, Pag-IBIG approved to declare 93.68% of its earnings, which is the highest in the agency's history, to extend its members' most benefits in these challenging times.


Del Rosario also stated that through this, the year 2020 dividend rate for the Pag-IBIG Regular Savings will be at 5.62%, while for the Modified Pag-IBIG 2 (MP2) Savings will be at 6.12%. This means that members can now enjoy a higher-than-expected return from their Pag-IBIG Savings.


He also extended his gratitude to the borrowers who continue to pay their loans last year despite the abrupt economic slowdown. He said that the home loan payments reached Php 46.65 billion through their help, while the cash loan payments had a total of Php 56.17 billion in 2020. This enables the agency to remain in its strong fiscal position.

Chief Executive Officer Acmad Rizaldy P. Moti of the Pag-IBIG Fund also expressed his appreciation to the borrowers for continuously honoring their loan obligations even amid trying times during the pandemic. With the strong financial standing of Pag-IBIG, they can continue providing their members home loans and cash loans, especially in this challenging economic period. He also cited that as the borrowers continue to fulfill their obligations, Pag-IBIG Fund can bring much-needed service to its members and contribute to stimulating the housing industry and the nation's economy.


Moti also added their assurance to their members and stakeholders that they will remain a reliable institution just like they did for the past 40 years as they bravely continue their services in the months ahead.


Lumina Homes recognized as one of the Top Developer in Pag-IBIG


Being recognized again as a Top Developer in the recently held Pag-IBIG Chairman's Report for 2020, Lumina Homes is working hand in hand with Pag-IBIG Fund in providing value-priced housing segments to every Filipinos.


To reach the top in the real estate market, Lumina Homes already created over 50 communities across the Philippines. For Northern and Eastern Luzon, Lumina's development includes:

  • Affordable house and lots in Bataan through Lumina Pilar and The Balanga Residences.
  • Affordable house and lot in Bulacan through Lumina San Miguel, Lumina Pandi, Lumina Plaridel, Lumina Baliuag, and Bulacan Residences Calumpit.
  • Affordable house and lot in Cagayan through Lumina Tuguegarao.
  • Affordable house and lot in La Union through Lumina San Juan.
  • Affordable house and lot in Isabela through Lumina Cauayan.
  • Affordable house and lot in Nueva Ecija through Lumina San Jose and Lumina Cabanatuan.
  • Affordable house and lot in Pangasinan through Lumina Manaoag.
  • Affordable house and lot in Rizal through Lumina Binangonan and Lumina Pililla.
  • Affordable house and lot in Tarlac through Lumina Tarlac Residences and Lumina Tarlac.
  • Affordable house and lot in Zambales through Lumina Subic.


Aside from these, Lumina Homes also built several communities in other provinces and cities throughout the country, including offers of affordable house and lots in Albay, affordable house and lots in Batangas, affordable house and lots in Cavite, affordable house and lots in Camarines Norte, affordable house and lot in Laguna, affordable house and lot in Quezon, affordable house and lot in Sorsogon, affordable house and lot in Capiz, affordable house and lot in Cebu, affordable house and lot in Iloilo, affordable house and lot in Negros Occidental, affordable house and lot in Agusan del Norte, affordable house and lot in Bukidnon, affordable house and lot in Davao del Norte, affordable house and lot in Misamis Occidental, affordable house and lot in South Cotabato, and affordable house and lot in Zamboanga del Sur.


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