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.
Government reporting in 2026 announced a Pag-IBIG housing loan cap of up to ₱10 million per borrower, subject to credit evaluation, capacity-to-pay, collateral appraisal, and program rules. This calculator also applies an estimated property-value cap and a 30% or 35% gross-income affordability check, so the estimated loanable amount can be lower than the headline cap.
Major Philippine banks usually quote by fixing period, loan amount, borrower profile, collateral, and promo availability. Pag-IBIG can be more affordable for many borrowers, but the comparison is only fair when both options finance the same loan amount and use realistic repricing assumptions.
Common requirements include at least 24 monthly Pag-IBIG contributions, active membership, legal capacity to acquire property, acceptable income documents, acceptable collateral, and age limits. A borrower is generally expected to be no more than 65 at application and no more than 70 at loan maturity, but final eligibility must be checked with Pag-IBIG.
MRI or SRI helps protect the loan if the borrower dies or becomes permanently disabled. Fire and allied-perils insurance protects the property. This calculator estimates monthly insurance separately from principal and interest because official premiums and lender fees can vary.