The interest rate for a Pag-IBIG loan can vary, typically ranging from 5% to 10% per annum depending on the type of loan and individual circumstances. To apply, you need to be an active member and submit the required documents, including proof of income and a valid ID, at a Pag-IBIG branch or through their online portal. It's advisable to check the latest guidelines on the official Pag-IBIG Fund website or consult with a licensed financial advisor for more tailored information. Always ensure you have all your documents ready to expedite the application process.