Does DMCI Homes accept Pag-IBIG financing?

Yes. DMCI Homes accepts Pag-IBIG Fund housing loans for the balance on 16 projects on its October 2026 list, including Allegra Garden Place in Pasig, The Oriana and The Erin Heights in Quezon City, and Anissa Heights in Pasay. Its Pag-IBIG terms (memo PD-26-10-024): a 12% downpayment over 18 months on ready-for-occupancy projects, over up to 32 months at The Erin Heights and The Oriana South Tower, and 20% until turnover at Anissa Heights. Pag-IBIG sits alongside spot cash, bank financing and DMCI in-house financing.

Which DMCI projects can I buy with a Pag-IBIG housing loan?

DMCI's approved list (October 2026), by city — Cainta: Mayfield Park Residences; Cavite: Alea Residences; Davao: Verdon Parc; Las Piñas: Maricielo Villas; Mandaluyong: Dansalan Gardens Condominiums, Tivoli Garden Residences; Muntinlupa: Rhapsody Residences; Parañaque: Palm Grove Residences, Raya Garden Condominiums; Pasay: Anissa Heights; Pasig: Allegra Garden Place, East Raya Gardens; Quezon City: The Erin Heights, The Oriana; Taguig: Cypress Towers, Rosewood Pointe. 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. The amount you actually get depends on three things: 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: 4.5% a year on loans up to ₱4.9 million and 5.75% on loans 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 to Pag-IBIG's prevailing rate. The 3% rate is for socialized housing under the Expanded 4PH program and does not apply at DMCI price points.

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 (2009), 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, and I handle the DMCI side of the file.

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. Check your posted contributions on Virtual Pag-IBIG before we reserve.

Is Pag-IBIG cheaper than a bank loan for a DMCI unit?

Month to month, almost always. On a 2BR at Allegra Garden Place (Soraya 309), the Pag-IBIG amortization is ₱39,340 a month over 30 years against about ₱53,834 at an indicative 7.5% bank rate over 20 years — ₱14,421 less. The Pag-IBIG route has a shorter 18-month downpayment and no regular 1% discount, and part of the monthly gap is the longer term. If you can afford to pay more than the minimum, ask me how to structure it.

How much downpayment do I need for a DMCI unit with Pag-IBIG financing?

12% on every project on DMCI's Pag-IBIG list except Anissa Heights, which takes 20%. Under memo PD-26-10-024 the 12% runs over 18 months on ready-for-occupancy projects and over up to 32 months at The Erin Heights and The Oriana South Tower; Anissa Heights' 20% runs until turnover. The ₱30,000 reservation fee is part of it. 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. Under DMCI's Pag-IBIG terms, a Legacy Project unit bought with Pag-IBIG financing keeps the Legacy Projects 20% special discount (memo PD-26-05-026, until November 30, 2026) on a 12% downpayment over 18 months, plus the ₱10,000 Pag-IBIG special discount until December 31, 2026.

Can I use Pag-IBIG financing at The Erin Heights even though it is pre-selling?

Yes. At The Erin Heights you pay the 12% downpayment over up to 32 months while the building is completed — turnover is scheduled for October 2027 — and Pag-IBIG takes out the 88% balance after that. Because the loan is filed later, assume Pag-IBIG's regular rate rather than the 2026 promo rates: on a studio (Erin 3103) that is about ₱28,718 a month at 6.25% over 30 years.

Are closing fees included in the Pag-IBIG loan at DMCI?

No. DMCI's Pag-IBIG terms (memo PD-26-10-024) leave the closing fees out of the loan amount: you pay them before Pag-IBIG releases the loan, at DMCI's regular rates. The unit and any parking bought with it are turned over when Pag-IBIG releases the loan.

DMCI Pag-IBIG Financing Is Official: The 16 Projects (2026)

Mon–Sun · 8:00 AM – 7:00 PM · GF DMCI Homes Corporate Center, Makati

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It’s Official: Pag-IBIG Financing Now Covers DMCI’s Ready-for-Occupancy Condos

Allegra Garden Place, The Oriana, The Erin Heights and 13 more DMCI projects now take Pag-IBIG housing loans for the balance. If you have been paying Pag-IBIG every month, those contributions can now buy you a DMCI home: up to ₱10 million, from 4.5%, over as long as 30 years.

By Michael Erik Santos

📅 October 16, 2026

⏱ 13-minute read

📍 Metro Manila & Cavite

Allegra Garden Place, Pasig Boulevard — one of the first DMCI communities where your Pag-IBIG housing loan now pays the balance

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It’s Official: Pag-IBIG Financing Now Covers DMCI’s Ready-for-Occupancy Condos

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