Pag-IBIG housing loan repayment terms typically range from 5 to 30 years, depending on the loan amount and the borrower's capacity to pay. The interest rates are usually fixed for the first five years, after which they may vary. Borrowers can choose to make monthly payments via auto-debit or over-the-counter payments at Pag-IBIG branches. It's essential to ensure you understand the full terms and conditions, so consider consulting with a Pag-IBIG officer or visiting their official website for detailed information specific to your situation.