Free Real Estate Tool

Pag-IBIG vs Bank Mortgage Calculator

Compare Pag-IBIG Fund housing loans with bank financing side by side. See monthly amortization, total interest, processing fees, and max loanable amounts based on your HDMF contribution history.

₱
5%₱1,000,00050%
5yr20yr30yr

Max loanable: ₱6,000,000

Pag-IBIG Fund

Monthly Amortization

₱31,012

7% p.a. for 20 years

Loan Amount₱4,000,000
Interest Rate7%
Total Interest Paid₱3,442,870
Total Payment₱7,442,870
Processing Fee₱20,000
Monthly MRI (est.)₱1,667
Monthly Fire Ins. (est.)₱625
Effective Monthly₱33,304
Max Loanable₱6,000,000

BDO Unibank

Monthly Amortization

₱35,348

8.75% p.a. for 20 years

Loan Amount₱4,000,000
Interest Rate8.75%
Total Interest Paid₱4,483,623
Total Payment₱8,483,623
Processing Fee₱60,000
Monthly MRI (est.)₱1,667
Monthly Fire Ins. (est.)₱625
Effective Monthly₱37,640

Rate: 8.75% (5-year fixed). Rate reprices after fixed period.

Pag-IBIG saves you

₱1,040,753

over the full 20-year loan term

Disclaimer: Rates shown are estimates based on publicly available 2025-2026 rate tables. Actual rates depend on your credit profile, bank assessment, and Pag-IBIG membership tier. Processing fees, MRI, and fire insurance are estimates. Consult with your bank or Pag-IBIG branch for exact figures. Pag-IBIG rates per HDMF Circular 425/438.

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Mortgage Calculator FAQ

Common questions about Philippine housing loans

Pag-IBIG Fund housing loan rates range from 6.5% per annum (for loans up to 15 years) to 8.0% (for 26-30 year terms). These are fixed rates for the entire loan term, which is a key advantage over bank loans that typically reprice after a fixed period. Rates are set by HDMF Circular 425/438.

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