The Pag-IBIG MP2 (Modified Pag-IBIG 2) Savings Program is one of the most popular investment options for Filipinos looking for safe, government-backed, and higher-than-bank interest returns.
This updated FAQ includes the latest dividend rates, how to invest, how to pay, and links to detailed guides so you can maximize your MP2 savings.
Quick Overview:
MP2 is a voluntary savings program under Pag-IBIG Fund that lets you save for 5 years with dividends tax-free and generally higher than regular savings or time deposits.
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Alt text: Pag-IBIG MP2 FAQs infographic with dividend history, payment methods, and key program details for 2025
1. Who can invest in MP2?
- Active Pag-IBIG members
- Former members with at least 24 months of contributions
- Pensioners and retirees (no age limit)
2. How much is the minimum investment?
- ₱500 per deposit
- No maximum amount
You can deposit monthly, yearly, or whenever you have extra funds.
3. How long is the investment term?
- 5 years fixed term
After maturity, you may:- Withdraw everything
- Rollover to a new MP2 account
4. How much will I earn?
Your earnings depend on the annual dividend rate declared by Pag-IBIG.
Here’s the Pag-IBIG MP2 Dividend Rate History:
| Year | Dividend Rate |
|---|---|
| 2024 | TBA |
| 2023 | 7.05% |
| 2022 | 7.03% |
| 2021 | 6.00% |
| 2020 | 6.12% |
| 2019 | 7.23% |
| 2018 | 7.41% |
| 2017 | 8.11% |
| 2016 | 7.43% |
| 2015 | 5.34% |
Tip: Use our Pag-IBIG MP2 Calculator to see how much your savings can grow.
5. How do I pay for my MP2 savings?
You have multiple convenient options:
Prefer a general walkthrough?
Read our all-in-one Pay Pag-IBIG MP2 Guide for tips on paying through Virtual Pag-IBIG (GCash, Maya, debit/credit card, Instapay, and more).
6. Can I withdraw my savings before maturity?
Yes, but only for valid reasons such as:
- Total disability or insanity
- Termination from work
- Critical illness (you or an immediate family member)
- Death (beneficiaries can claim)
Learn more here:
7. How are the dividends computed?
- Based on your average monthly balance
- Compounded annually if you choose to receive at maturity
- Credited directly to your bank account if you choose yearly payout
8. Can I have multiple MP2 accounts?
Yes! Many members open several MP2 accounts to separate goals (e.g., emergency fund, travel, retirement).
9. Is MP2 savings guaranteed?
Yes. The principal is guaranteed by the government. Dividends are based on Pag-IBIG’s financial performance but historically have been consistently higher than regular savings accounts.
10. How do I start investing in MP2?
- Visit the Virtual Pag-IBIG website and log in or register.
- Select the MP2 Enrollment option and fill out the enrollment form.
- Choose a payment method (e.g., GCash, BPI, Maya, GoTyme, GrabPay)—see our detailed Pay Pag-IBIG MP2 Guide for step-by-step instructions.
- Once enrolled, start making contributions whenever you’re ready.
Get started easily with our complete guide: How to Invest in Pag-IBIG MP2
I’ve been an active member of MP2 for a while already, di ko lng matandaan if I chose annual or 5 year dividend payout, paano ko ba ito malalaman?
Check mo yung pdf kung nasave mo sya. Dun mo lang makikita. Kung wala ka copy, you need to contact Pag-IBIG directly kasi di yan makikita sa Virtual Pag-IBIG website at all.