DMCI Homes now accepts Pag-IBIG Fund housing loans for the balance on specific projects: Allegra Garden Place (Pasig), The Oriana (Quezon City), The Erin Heights (Quezon City), Anissa Heights (Pasay) and all DMCI Legacy Projects. On those projects it joins spot cash, bank financing and DMCI in-house financing.
Pag-IBIG lends up to ₱10 million for up to 30 years. Until December 31, 2026 it is running promotional rates of 4.5% on loans up to ₱4.9 million and 5.75% above that, fixed for three years. On a real, move-in-ready Allegra studio that is ₱23,245 a month — about ₱13,714 less than the same balance on a typical bank loan.
For years, whenever a buyer asked me “Can I use my Pag-IBIG for a DMCI unit?” the answer was the same: spot cash, bank or DMCI in-house. Pick one.
That answer just changed. DMCI Homes has made Pag-IBIG financing official on Allegra Garden Place, The Oriana, The Erin Heights, Anissa Heights and every one of its Legacy Projects.
It matters because of who it reaches. Every employed Filipino pays into Pag-IBIG, and every OFW has been required to since 2010. Millions of people have years of contributions sitting in the Fund — and until now, none of it could touch a DMCI unit. Below is which units it applies to, what it does to your monthly on real units from DMCI’s October 2026 availability list, and the one Pag-IBIG rule that can quietly cost you about ₱4,000 a month if nobody points it out.
Pag-IBIG National Housing Expo: Pag-IBIG Fund and DHSUD hold the expo on October 19–20, 2026 at the SMX Convention Center, Pasay, and DMCI Homes is one of the participating developers. If you want your loan computed on a specific DMCI unit first, message me.
Which DMCI Projects Accept Pag-IBIG
| Project | Status | Lowest unit open | Pag-IBIG / mo |
|---|---|---|---|
| Allegra Garden Place Pasig Boulevard, Pasig | Ready for occupancy | Studio · ₱5,266,000 | ₱23,245 |
| The Oriana — North Tower Aurora Blvd, Quezon City · 390 m to LRT-2 | Ready for occupancy | 1BR · ₱5,109,000 | ₱22,552 |
| The Oriana — South Tower Same address | Turnover Nov 2027 | Studio · ₱5,222,000 | ₱28,011 at 6.25% |
| The Erin Heights Commonwealth Ave, Quezon City | Turnover Oct 2027 | Studio · ₱5,391,000 | ₱28,918 at 6.25% |
| Anissa Heights P. Zamora St, Pasay · near LRT/MRT Taft | Turnover Jul 2028 | Studio · ₱3,160,500 | ₱15,568 at 6.25% |
Plus every DMCI Legacy Project — its older, finished communities, which also carry the year’s biggest discount, 20% off until November 30, 2026:
Why This Is Big News for OFWs
Pag-IBIG comes off the payslip — usually ₱200 a month, matched by the employer — and for overseas Filipino workers it has been mandatory since Republic Act 9679 took effect in 2010. If you have worked for two years, you very likely already meet the Fund’s requirement of 24 monthly contributions.
- You are already a member. Your contribution record is the relationship — no new lender to win over.
- The monthly is lower — a lower rate and a longer term, which is what you need when you budget a home in pesos on a salary earned abroad.
- You do not need to fly home. A family member here signs for you under a Special Power of Attorney, and I handle the DMCI side of the file.
Pag-IBIG vs Bank: The Same Unit, Side by Side
Two real, available two-bedrooms on DMCI’s 12% downpayment term with the regular 1% discount, so Pag-IBIG — or the bank — finances the 88% balance.
| Allegra · Soraya 309 | The Oriana · North 405 | |
|---|---|---|
| Unit | 2BR · 55 sqm | 2BR · 54.5 sqm |
| List price | ₱7,748,000 | ₱7,501,000 |
| 12% downpayment | ₱920,462 ₱27,827/mo × 32 | ₱891,119 ₱26,910/mo × 32 |
| Balance to finance (88%) | ₱6,750,058 | ₱6,534,871 |
| Pag-IBIG · 5.75% · 30 yrs | ₱39,392/mo | ₱38,136/mo |
| Bank · 7.5% · 20 yrs (indicative) | ₱54,378/mo | ₱52,644/mo |
| Monthly difference | ₱14,986 less | ₱14,508 less |
| Household income to carry it (≈35%) | ₱112,549 vs ₱155,366 | ₱108,960 vs ₱150,411 |
List prices from DMCI’s October 2026 availability list. Bank shown at an indicative 7.5% fixed over 20 years; your bank sets the actual rate at approval.
Read the last row twice. On the Allegra 2-bedroom the bank route needs roughly ₱155,366 a month in household income; Pag-IBIG needs about ₱112,549. For many families that is the difference between “not yet” and “yes.”
The honest part: some of that gap is the rate and some is the extra ten years. On the same 20-year term, Pag-IBIG is ₱47,391 a month — still ₱6,987 less from the rate alone. But a 30-year loan pays interest for longer: about ₱14,181,120 over 30 years versus ₱13,050,720 over 20. Pag-IBIG wins on the monthly and on qualifying; if you can pay more than the minimum, ask me how to structure it so you also win on the total.
The ₱4.9 Million Line
Pag-IBIG’s two promo rates are split by loan size — 4.5% up to ₱4.9 million, 5.75% above it — on the whole loan. Allegra Amina 919, a 30 sqm one-bedroom at ₱5,710,000, leaves a balance of ₱4,974,552 on the 12% term: ₱74,552 over the line, so it prices at 5.75% — ₱29,030 a month.
The fix: pay that ₱74,552 as extra downpayment. The loan drops to ₱4,900,000, qualifies for 4.5%, and the monthly falls to ₱24,828 — ₱4,202 a month less, or ₱151,272 over the three-year fixed period. Confirm the bracket on your own loan with Pag-IBIG when you file.
Allegra Garden Place, Pasig
Two finished 55-storey towers, Amina and Soraya, on Pasig Boulevard — 110 m from Rizal Medical Center, 3.3 km from Ortigas Center.
| Unit | List price | Pag-IBIG / mo | Bank / mo |
|---|---|---|---|
| Soraya 2417 · Studio · 30 sqm | ₱5,266,000 | ₱23,245 4.5% | ₱36,959 |
| Amina 919 · 1BR · 30 sqm | ₱5,710,000 | ₱29,030 5.75% | ₱40,075 |
| Soraya 309 · 2BR · 55 sqm | ₱7,748,000 | ₱39,392 5.75% | ₱54,378 |
The Oriana, Quezon City
A 54-storey North Tower on Aurora Boulevard, Project 4 — 390 m to LRT-2, with Anonas, Katipunan and Cubao stations minutes away — is ready for occupancy. The South Tower turns over in November 2027, so its loan is filed later and is shown at the regular rate.
| Unit | List price | Pag-IBIG / mo | Bank / mo |
|---|---|---|---|
| North 1906B · 1BR · 29 sqm | ₱5,109,000 | ₱22,552 4.5% | ₱35,857 |
| North 405 · 2BR · 54.5 sqm | ₱7,501,000 | ₱38,136 5.75% | ₱52,644 |
| South MZ09 · Studio · 30 sqm | ₱5,222,000 | ₱28,011 6.25% | ₱36,650 |
The Legacy Projects: 20% Off, Then Pag-IBIG
The Legacy discount takes 20% off the price and Pag-IBIG finances what is left, which pushes most balances under the ₱4.9 million line and onto the 4.5% rate. Actual units open on DMCI’s October 2026 list:
| Community · unit | After 20% | Rate | Pag-IBIG / mo | Bank / mo |
|---|---|---|---|---|
| Mayfield Park Residences Mandala 213 · 2BR · 42 sqm · Pasig | ₱3,504,000 | 4.5% | ₱15,624 | ₱24,841 |
| Raya Gardens Condominium Surabaya 432 · Studio · 31 sqm · Parañaque | ₱3,442,400 | 4.5% | ₱15,349 | ₱24,404 |
| Maricello Villas Almeria 103 · 2BR · 53 sqm | ₱4,530,400 | 4.5% | ₱20,200 | ₱32,117 |
| Alea Residences Budi 304 · 2BR · 55 sqm · Bacoor, Cavite | ₱5,074,400 | 4.5% | ₱22,626 | ₱35,974 |
| Rhapsody Residences Viola 302 · 2BR · 55.5 sqm · Muntinlupa | ₱5,484,000 | 4.5% | ₱24,452 | ₱38,877 |
| Cypress Towers Celesta PH10 · 2BR · 48 sqm · Taguig (C-5) | ₱5,626,400 | 5.75% | ₱28,894 | ₱39,887 |
| East Raya Gardens Banyan 116 · 2BR · 62.5 sqm · Pasig | ₱5,910,400 | 5.75% | ₱30,353 | ₱41,900 |
Legacy Projects special discount per DMCI memo PD-26-05-026, units only, until November 30, 2026; no other discount stacks on top. Other Legacy communities had no open units on the list — they resurface on DMCI’s reopened lists, so ask me.
A two-bedroom at Mayfield Park in Pasig works out to ₱15,624 a month on Pag-IBIG after the 20%. The 20% ends on November 30.
The Erin Heights: Downpayment Now, Pag-IBIG Later
Commonwealth Avenue corner Tandang Sora, 1.1 km from UP Diliman; turnover scheduled for October 2027. You pay the 12% downpayment to DMCI over 32 months and Pag-IBIG takes out the 88% balance after that. Because that loan is filed later, it is shown at 6.25% — not a promo rate that may not exist by then. If Pag-IBIG extends the promo, the monthly only goes down.
| Unit | List price | Downpayment / mo | Pag-IBIG / mo |
|---|---|---|---|
| Erin 3103 · Studio · 28.5 sqm | ₱5,391,000 | ₱19,077 | ₱28,918 |
| Erin 704 · 2BR · 48.5 sqm | ₱7,434,000 | ₱26,661 | ₱39,877 |
| Erin 601 · 3BR · 84 sqm | ₱11,264,000 | ₱40,880 | ₱60,422 |
Anissa Heights, Pasay
P. Zamora Street, Pasay — near the LRT/MRT Taft interchange — with turnover in July 2028. Studios start at ₱3,160,500 for 16 sqm, the lowest DMCI entry price on the current list. Anissa starts at 20% down (₱632,100 on that studio); Pag-IBIG then finances the ₱2,528,400 balance — about ₱15,568 a month at the regular 6.25% over 30 years.
Do You Qualify?
- 24 monthly contributions posted — check them on Virtual Pag-IBIG.
- Age: 65 or younger when you apply and 70 or younger when the loan matures.
- Income that carries the monthly — as a working rule, keep it within about 35% of gross household income. Co-borrowers can be combined.
- No foreclosed, cancelled or bought-back Pag-IBIG housing loan in your name.
- Loan within ₱10 million and within Pag-IBIG’s appraisal of the unit.
How to Buy With Pag-IBIG Financing
- Send me your contribution count and budget. I match you to units and compute Pag-IBIG against the bank, including the ₱4.9M line check.
- Reserve with ₱30,000. The unit comes off the market and your price is locked.
- Pay the downpayment on DMCI’s schedule. 12% on most eligible projects; 20% at Anissa Heights.
- File your Pag-IBIG housing loan. I prepare the DMCI documents Pag-IBIG asks for; OFWs file through a Special Power of Attorney.
- Pag-IBIG appraises and approves. It values the unit and issues its approval and guaranty to DMCI.
- Pag-IBIG releases the loan to DMCI. From then on you pay Pag-IBIG instead of DMCI.
Good to know
- Lower monthly and easier to qualify than most bank loans.
- Works with the Legacy 20% and DMCI’s seasonal discounts — they cut the price; Pag-IBIG finances the balance.
- Only on the eligible projects above — not on other DMCI projects or private resales.
Watch out for
- The promo rate is fixed for 3 years, then reprices.
- Pag-IBIG lends against its own appraisal, which can come in under DMCI’s price.
- The 5% downpayment RFO promo is Chinabank/BPI only — Pag-IBIG buyers use the 12% term.
Questions About Pag-IBIG at DMCI
Does DMCI Homes accept Pag-IBIG financing?
Yes, on specific projects. As of October 2026, DMCI Homes accepts Pag-IBIG Fund housing loans for the balance at Allegra Garden Place (Pasig), The Oriana (Quezon City), The Erin Heights (Quezon City), Anissa Heights (Pasay) and all of its Legacy Projects. On those projects Pag-IBIG sits alongside spot cash, bank financing and DMCI in-house financing. It is not offered on other DMCI projects.
Which DMCI projects can I buy with a Pag-IBIG housing loan?
Allegra Garden Place, The Oriana (North and South Towers), The Erin Heights, Anissa Heights and the Legacy Projects: Alea Residences, Cypress Towers, Illumina Residences, Ivory Wood, Mirea Residences, Rhapsody Residences, Rosewood Pointe, Royal Palm Residences, The Amaryllis, Tivoli Garden Residences, Willow Park Homes, East Ortigas Mansions, East Raya Gardens, Magnolia Place, Maricello Villas, Mayfield Park Residences, Raya Gardens Condominium, Riverfront Residences. Unit availability inside each project changes daily.
How much can Pag-IBIG lend me for a DMCI condo?
Up to ₱10 million per borrower, payable over as long as 30 years — Pag-IBIG raised the ceiling from ₱6 million in May 2026. What you actually get depends on your capacity to pay, your credit evaluation and Pag-IBIG's own appraisal of the unit. If the appraisal comes in below your balance, the difference is paid as additional equity.
What is the Pag-IBIG housing loan interest rate in 2026?
For homes above the socialized-housing ceiling, Pag-IBIG is running promotional rates of 4.5% a year on loans up to ₱4.9 million and 5.75% above ₱4.9 million up to ₱10 million, fixed for the first three years, for applications filed until December 31, 2026. After the fixing period the rate reprices. A loan filed later — for a unit that turns over in 2027 or 2028 — should be planned at Pag-IBIG's regular rate, about 6.25% for a 3-year fix.
Can OFWs use Pag-IBIG to buy a DMCI condo?
Yes, and OFWs are the buyers this helps most. Pag-IBIG membership has been mandatory for overseas Filipino workers since Republic Act 9679, so most OFWs already have years of contributions posted. You can apply from abroad: a family member in the Philippines signs for you under a Special Power of Attorney.
How many Pag-IBIG contributions do I need to apply for a housing loan?
At least 24 monthly contributions. You should also be no older than 65 when you apply and no older than 70 when the loan matures, have no foreclosed or cancelled Pag-IBIG housing loan, and show income that can carry the monthly amortization.
Is Pag-IBIG cheaper than a bank loan for a DMCI unit?
Month to month, almost always. On a 2-bedroom at Allegra Garden Place (Soraya 309), the Pag-IBIG amortization is ₱39,392 a month over 30 years against about ₱54,378 at an indicative 7.5% bank rate over 20 years. Part of that gap is the longer term: over the full life of the loan, 30 years pays more total interest than 20, so if you can pay more than the minimum, structure it that way.
How much downpayment do I need for a DMCI unit with Pag-IBIG financing?
On Allegra Garden Place, The Oriana, The Erin Heights and the Legacy Projects, use DMCI's 12% downpayment term — a ₱30,000 reservation fee, then the rest of the 12% in monthly instalments — with Pag-IBIG financing the 88% balance. Anissa Heights starts at 20% down. The 5% downpayment move-in promo for ready-for-occupancy units is tied to Chinabank or BPI financing, so it is not the route for a Pag-IBIG buyer.
Can I combine the Legacy Projects 20% discount with Pag-IBIG financing?
Yes. The 20% comes off the price of the unit, and Pag-IBIG finances the balance on that lower price. The Legacy Projects special discount runs until November 30, 2026 under DMCI memo PD-26-05-026, units only, and no other special or regular discount stacks on top of it.
Can I use Pag-IBIG on a pre-selling DMCI unit?
On the eligible pre-selling projects, yes — The Erin Heights (turnover October 2027), The Oriana South Tower (November 2027) and Anissa Heights (July 2028). You pay the downpayment to DMCI first and Pag-IBIG takes out the balance later, so plan at the regular rate: an Erin Heights studio (Erin 3103) is about ₱28,918 a month at 6.25% over 30 years.
Sources
- Pag-IBIG Fund raises limit on housing loans to ₱10 million — Philstar, May 29, 2026
- 4.5% promotional rate on loans up to ₱4.9 million; 5.75% above, up to ₱10 million — Daily Tribune, July 8, 2026
- Promo rates valid until December 31, 2026; National Housing Expo October 19–20 with DMCI Homes participating — Daily Tribune, October 2026
- Mandatory Pag-IBIG membership for overseas Filipino workers — Republic Act No. 9679 (Home Development Mutual Fund Law of 2009)
- Unit prices and availability — DMCI Homes availability list, October 2026; Legacy discount per DMCI memo PD-26-05-026
Send me your contribution count
Tell me how many months of Pag-IBIG you have and the project you like. I will send back the real unit, the Pag-IBIG monthly against the bank, and whether you are on the right side of the ₱4.9M line.
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