2026 Pag-IBIG Rate & MFS Cap
Under Pag-IBIG Circular No. 460 (2024), the Monthly Fund Salary (MFS) cap was increased from ₱5,000 to ₱10,000. This means maximum mandatory contributions are now ₱200 per month for both employee and employer (up from ₱100).
Formula: Contribution = min(Salary, ₱10,000) × Rate. Employee rate: 2% (or 1% if salary ≤ ₱1,500). Employer rate: always 2%.
| Monthly Salary | Employee Rate | Employee Contribution | Employer Contribution | Total (mandatory) |
|---|---|---|---|---|
| ₱1,000 | 1% | ₱10.00 | ₱20.00 | ₱30.00 |
| ₱1,500 | 1% | ₱15.00 | ₱30.00 | ₱45.00 |
| ₱5,000 | 2% | ₱100.00 | ₱100.00 | ₱200.00 |
| ₱8,000 | 2% | ₱160.00 | ₱160.00 | ₱320.00 |
| ₱10,000+ | 2% | ₱200.00 (max) | ₱200.00 (max) | ₱400.00 |
Voluntary Top-up Contributions
Members can contribute above the ₱200 mandatory cap. Voluntary top-ups earn annual dividends (historically 6–8% per year) and grow your total Pag-IBIG savings — which factors into your maximum loan amount. There is no statutory cap on voluntary contributions.
Key Pag-IBIG Loan Benefits
- Multi-Purpose Loan: Up to 80% of total savings; repaid over 24 months
- Housing Loan: Up to ₱6.5M at rates starting at 6.375% (socialized) to 10.5% (market)
- Calamity Loan: Available after a declared calamity in your area
OFWs and voluntary members: Pay both shares (₱400/month total mandatory). Voluntary top-ups are also allowed and earn the same dividend rate.
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