Pag-IBIG Housing Loan Calculator

Your details

The Pag-IBIG-appraised value of the property. Used to compute the maximum loanable amount via the LTV ratio.
PHP
How much you want to borrow. Cannot exceed 90% or 95% of the appraised value (depending on price tier) and is capped at PHP 10,000,000.
PHP
4PH members earning up to PHP 47,856/mo in NCR (or PHP 34,686 outside NCR) qualify for the 3% subsidized rate. OFWs auto-qualify. The Promo rate is 4.5% fixed for 3 years on non-socialized properties (limited slots).
The number of years your interest rate stays fixed before it can be re-priced. Shorter periods have lower starting rates but repricing risk. Longer periods lock in higher rates for security.
Maximum 30 years. You must not be older than 70 at loan maturity.
years
Your total monthly income before deductions. If there is a co-borrower, combine both incomes. Pag-IBIG requires the monthly amortization (principal + interest only) not to exceed 35% of combined gross monthly income.
PHP
Monthly amortization (P&I)Exceeds 35% DTI - loan may be reduced
21,136.14PHP

Principal and interest payment per month

MRI premium (monthly)607.5PHP
Total monthly payment21,743.64PHP
Required gross monthly income60,388.96PHP
Max loanable by property value2,700,000PHP
Total interest paid2,372,672.41PHP
Total amount repaid5,072,672.41PHP
Interest rate applied0.071%
DTI ratio (P&I / income)0.4%
Effective loan principal2,700,000PHP

Monthly payment: PHP 21,136.14 at 7.125% interest

  • Your monthly principal-and-interest payment is PHP 21,136.14 at 7.125% annual interest.
  • Your amortization is 42.3% of gross income, above the 35% Pag-IBIG cap. You need at least PHP 60,388.96/month gross income, or reduce the loan amount.
  • Over the life of the loan you will pay PHP 2,372,672.41 in total interest.

Next stepPrepare at least 24 monthly Pag-IBIG contributions (at least one within the last 6 months) before applying.

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