Pag-IBIG vs Bank Mortgage Calculator
Compare Pag-IBIG Fund housing loans with bank financing side by side. See monthly amortization, required income, property-value caps, insurance estimates, and max loanable amounts based on Pag-IBIG affordability rules.
Rate freshness:Pag-IBIG's public calculator is indicative and rate tables change. This tool models regular fixed-pricing rates plus the June 2026 promo scenario and the announced ₱10,000,000 cap. Final approval still depends on Pag-IBIG validation, appraisal, capacity-to-pay, and current circulars.
Pag-IBIG capacity estimate uses 30% or 35% of gross monthly income depending on loan tier.
Term should usually end by age 70.
Minimum is 24 monthly contributions.
Fixed pricing is the rate-lock period. It is not always the full loan term.
Pag-IBIG Fund
Monthly Principal & Interest
₱28,083
5.75% p.a. for 20 years (3-year pricing)
For loans above the affordable promo threshold, this tool models the 2026 promo scenario at 5.75% instead of 4.5%.
BDO Unibank
Monthly Principal & Interest
₱35,348
8.75% p.a. for 20 years
Rate: 8.75% (5-year fixed). Rate reprices after fixed period.
Pag-IBIG saves you
₱1,743,621
over the full 20-year loan term
Disclaimer: This is an indicative calculator, not a Pag-IBIG or bank approval. Pag-IBIG capacity uses the standard amortization formula, a 30% or 35% gross-income capacity check, estimated LTV caps, and monthly insurance modeled from public calculator behavior. Rates, fees, appraisal values, eligibility, and final loanable amount can change. Verify with Pag-IBIG, your bank, and licensed professionals before making a purchase or construction decision.
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Mortgage Calculator FAQ
Common questions about Philippine housing loans
Regular Pag-IBIG fixed-pricing rates commonly referenced by public government sources include 5.75% for 1 year, 6.25% for 3 years, 6.50% for 5 years, 7.125% for 10 years, 7.75% for 15 years, 8.50% for 20 years, 9.125% for 25 years, and 9.75% for 30 years. In June 2026, public reporting also described promo rates as low as 4.5% or 5.75% depending on loan tier. Treat this calculator as indicative and verify current rates with Pag-IBIG.