Yes, you can use a Pag-IBIG loan for solar panels. There's no product called a "solar loan". The main route in 2026 is Pag-IBIG's Short-Term Loan for Home Improvement, which covers home upgrades "including solar panel installation". It lends up to ₱300,000, payable within five years. A promotional rate of 3% a year applies to the first 10,000 qualified members (Philstar; The Bohol Tribune).
At 3%, the maximum ₱300,000 loan costs about ₱5,390 a month. At BILECO's July 2026 rate of ₱18.3407/kWh, our 3 kWp net-metering example saves about ₱4,663 a month. Below are the terms, who qualifies, the documents, the steps, and how the numbers work in Biliran and Leyte.
All facts checked 4 October 2026. Pag-IBIG's own website (pagibigfund.gov.ph) blocks automated access, so we couldn't read it directly. The terms below come from news reports quoting Pag-IBIG. Confirm the current terms at your Pag-IBIG branch or on Virtual Pag-IBIG before you apply.
Pag-IBIG loan options for solar at a glance
Option | Who it's for | Amount | Rate | Term | Collateral |
|---|---|---|---|---|---|
Short-Term Loan for Home Improvement (STL-HI) | Pag-IBIG members who own the house | Up to ₱300,000 | 3% a year promo for the first 10,000 qualified members; regular rate otherwise | Up to 5 years | Deed of Negative Pledge with Promissory Note (no mortgage) |
Housing loan for home improvement | Members doing bigger renovations | Depends on your income and the property | Housing loan rates | Repricing periods of 1 to 30 years on the application form | Real estate mortgage |
Multi-Purpose Loan (MPL) | Members with at least 12 monthly savings | Up to 90% of your Total Accumulated Value (savings plus dividends) | 1.4583% a month, about 10.5% a year | Short term | None (based on your savings) |
GSIS Ginhawa Solar Energy Loan (not Pag-IBIG) | Government employees who are GSIS members | Up to ₱500,000 | 5% a year | 5 years | Not stated in the report |
Sources: Philstar (20 Nov 2025), Daily Tribune (21 Jan 2026), The Bohol Tribune (6 Sep 2026), PhilNews (18 Apr 2026), Pag-IBIG form HLF068, Philippine News Agency (7 May 2025). Full links are at the end.
Which one fits most families? For a typical home solar system, the STL-HI is the one to ask about first. Pag-IBIG itself is now promoting it for solar. The MPL is a cash loan based on your savings, so for most members it's smaller and costs more. The housing loan suits a major renovation, because it needs a mortgage. For bank loans and installer payment plans, see our solar financing guide.
The Pag-IBIG Home Improvement Loan for solar (2026)
- Amount: up to ₱300,000 (Philstar; Daily Tribune).
- Term: payable within five years.
- Rate: a promotional 3% a year for the first 10,000 qualified members. Once those slots are used, the regular rate applies. Ask your branch whether promo slots are still open.
- Solar is covered. In September 2026 Pag-IBIG signed a memorandum of agreement with the Murang Kuryente Party-list to expand solar financing. The report says the Short-Term Loan for Home Improvement funds upgrades "including solar panel installation" (The Bohol Tribune).
- Monthly payment: the same report says the 3% rate lowers the payment on the maximum loan from ₱5,835 to ₱5,390 a month, a saving of ₱445.
What's the regular rate? Pag-IBIG doesn't publish it in the sources we found. Our own calculation: a payment of ₱5,835 a month on ₱300,000 over 60 months matches an interest rate of about 6.25% a year. Treat that as our estimate, not an official Pag-IBIG rate.
One thing to ask your branch: PHGuides, an independent guide site, describes the STL-HI as being for minor improvements that don't need a building permit, and notes that Pag-IBIG's marketing promotes solar panel installation under this loan. A grid-connected solar system still needs an LGU electrical permit and a CFEI (our BILECO net metering guide). Ask your branch to confirm that your solar project qualifies before you sign with an installer.
Monthly payments: 3% promo vs regular rate
Five-year term, equal monthly payments. These are our calculations. Pag-IBIG's actual amortisation may differ slightly.
Loan amount | Monthly at 3% (promo) | Total interest at 3% | Monthly at about 6.25% (our estimate of the regular rate) | Total interest at about 6.25% |
|---|---|---|---|---|
₱100,000 | ₱1,797 | ₱7,812 | ₱1,945 | ₱16,696 |
₱150,000 | ₱2,695 | ₱11,718 | ₱2,917 | ₱25,043 |
₱200,000 | ₱3,594 | ₱15,624 | ₱3,890 | ₱33,391 |
₱250,000 | ₱4,492 | ₱19,530 | ₱4,862 | ₱41,739 |
₱300,000 | ₱5,391 | ₱23,436 | ₱5,835 | ₱50,087 |
The ₱300,000 row matches the payments in the Bohol Tribune report (₱5,390 and ₱5,835), allowing for rounding.
Who qualifies for the Pag-IBIG Home Improvement Loan
PhilNews lists these requirements for 2026 (PhilNews):
- An active Pag-IBIG membership with at least 12 monthly savings.
- Age: 65 or younger when you apply, and no older than 70 when the loan ends.
- You own the property to be improved, and it must stay free of liens for the loan term.
- No Pag-IBIG loan in arrears, and no foreclosed, cancelled or surrendered housing account.
- You pass Pag-IBIG's background, credit and employment checks.
Documents to prepare
From the same PhilNews list, for locally employed members:
- The STL Home Improvement application form.
- Colour photos of the outside of the house.
- Deed of Negative Pledge with Promissory Note.
- A vicinity map of the property.
- An updated real estate tax receipt.
- Valid IDs.
- Proof of income: a certificate of employment and compensation, your latest ITR with BIR Form 2316, and one month's payslip.
Self-employed members and OFWs submit different proof of income. Ask the branch for the list that applies to you.
For the solar side, also prepare:
- A written quote from your installer, with the system size, panel and inverter brands, and the total price (how to read a solar quote).
- The single-line diagram and permit plan. You'll need them for the LGU electrical permit anyway.
How to apply, step by step
- Get a solar quote first. You need to know how much to borrow. If you want backup during brownouts, include a battery and hybrid inverter in the quote (battery prices).
- Check your eligibility and savings on Virtual Pag-IBIG or at a branch, and ask whether 3% promo slots are still available.
- Prepare the documents above.
- Submit at a Pag-IBIG branch and pay the ₱1,000 processing fee (PhilNews).
- Personal verification by Pag-IBIG.
- Wait for the result, then sign with your installer and pull the LGU electrical permit.
- Install, then apply for net metering with BILECO or your LEYECO co-op (BILECO net metering steps).
Does the loan payment beat the bill savings? A Biliran example
This example uses assumptions from our BILECO rate tracker. They're estimates, not a promise.
- Home: uses 300 kWh a month.
- System: 3 kWp, making about 315 kWh a month. 189 kWh is used at home and 126 kWh is exported.
- Rates: BILECO's July 2026 rate of ₱18.3407/kWh. Exports earn about ₱9.50/kWh under net metering.
Without solar | With 3 kWp solar and net metering | |
|---|---|---|
Energy bought from BILECO | 300 kWh × ₱18.3407 = ₱5,502 | 111 kWh × ₱18.3407 = ₱2,036 |
Export credit | ₱0 | 126 kWh × ₱9.50 = −₱1,197 |
Monthly bill | ₱5,502 | ₱839 |
Saving | about ₱4,663 a month |
Now compare that with the loan payment:
- If your system costs ₱200,000 and you borrow all of it at 3%, you pay ₱3,594 a month. The saving above is about ₱1,069 a month more than the payment.
- At about 6.25%, the same loan costs ₱3,890 a month, still below the saving.
- If you borrow the full ₱300,000, the payment (₱5,391) is about ₱728 a month more than the saving. That's normal if the system includes a battery, because a battery mostly buys brownout backup rather than bill savings.
We haven't assumed a system price. Use the price from your own quote. The rule of thumb from our rate tracker is that each kWp makes about 105 kWh a month, worth about ₱1,926 if you use all of it yourself at the July 2026 rate.
What this means: if the monthly saving is close to or above the loan payment, the loan pays for itself out of your bill. Savings will be lower in cloudy months and higher when BILECO's rate rises, as it did from ₱12.57 in June 2025 to ₱18.93 in September 2026 (our tracker).
Government employee? Compare the GSIS Ginhawa Solar Energy Loan
GSIS offers a dedicated solar loan for government employees: up to ₱500,000 at 5% a year, over five years, with no service charge and three years of free insurance. The report says more than 23,000 members have used it (The Bohol Tribune).
Our calculation: ₱500,000 at 5% over 60 months is about ₱9,436 a month. If you're a government employee and you qualify for both, compare the Pag-IBIG 3% promo for the first ₱300,000 against GSIS for larger systems.
FAQ
Is there a Pag-IBIG solar loan? Not under that name. Pag-IBIG's Short-Term Loan for Home Improvement covers solar panel installation, according to a September 2026 report on Pag-IBIG's solar financing agreement.
How much can I borrow for solar panels from Pag-IBIG? Up to ₱300,000 under the Short-Term Loan for Home Improvement, payable within five years.
What is the Pag-IBIG home improvement loan interest rate? A promotional 3% a year for the first 10,000 qualified members. Pag-IBIG hasn't published the regular rate in the reports we found. The payments in those reports suggest about 6.25% a year (our estimate).
How much is the monthly payment on ₱300,000? About ₱5,390 a month at 3% over five years, or ₱5,835 at the regular rate.
Do I need collateral? For the STL-HI, PhilNews lists a Deed of Negative Pledge with Promissory Note, not a mortgage. The property must be yours and free of liens. A regular housing loan for home improvement needs a mortgage.
Can I use the loan for a battery? The reports say "solar panel installation". Ask your branch whether a battery and hybrid inverter can be included in the same project.
Solar Leyte is run by MACC Systems & Energy Solutions Inc., a solar installer in Naval, Biliran. We aren't affiliated with Pag-IBIG Fund or GSIS and can't approve loans.
Get a free solar quote you can bring to Pag-IBIG
Tell us your monthly kWh and whether you want brownout backup. We'll send a written quote with the system size, brands and total price, plus the savings math, so you know how much to borrow. No obligation.
- Call/Text: 0955 723 5093
- Email: official@macc-inc.com or benjie@macc-inc.com
- Website: www.macc-inc.com
- Office: Brgy. Talustusan, Naval, Biliran 6543
Sources (all checked 4 October 2026)
- The Bohol Tribune, Cong. Art, Pag-IBIG Fund sign deal to expand solar financing for Filipino households (6 Sep 2026)
- Philstar, Pag-IBIG rolls out one-month payment moratorium for calamity-hit borrowers (20 Nov 2025; Home Improvement Loan terms)
- Daily Tribune, Pag-IBIG loaned out P140B in 2025 (21 Jan 2026)
- PhilNews, Pag-IBIG Home Improvement Loan requirements 2026 for locally employed members (18 Apr 2026)
- Philippine News Agency, Pag-IBIG raises cash loan cap to 90% of savings starting May 16 (7 May 2025; Multi-Purpose Loan)
- Pag-IBIG Fund, Housing Loan Application form HLF068 (PDF) (lists home improvement as a loan purpose)
- GMA News, Pag-IBIG Fund offers loans for purchase and installation of solar panels (27 Nov 2014; background)
- PHGuides, Pag-IBIG Home Improvement Loan: ₱300,000 at 3% (independent guide; building-permit note)
- Solar Leyte, BILECO Rate per kWh 2026 and BILECO Net Metering guide