Pag-IBIG offers various loan products, including housing loans, with interest rates typically ranging from 5% to 11% per annum, depending on the loan term and the applicant's credit profile. Loan terms can vary from 5 to 30 years, allowing borrowers to choose a repayment plan that suits their financial situation. It's important to note that specific rates and terms may change, so it's best to check the official Pag-IBIG Fund website or consult with a Pag-IBIG representative for the most current information. Understanding your options is crucial in making an informed decision about borrowing.