Free Philippines housing loan tool
Pag-IBIG Housing Loan Calculator Philippines 2026
Estimate Pag-IBIG monthly amortization, required gross income, property-value cap, insurance, and possible loanable amount before you talk to a branch, broker, architect, or contractor.
Planning estimate only: this tool is not an approval, quote, or official Pag-IBIG computation. Final rates, appraisal value, eligibility, fees, insurance, and loanable amount must be verified with Pag-IBIG.
Monthly principal & interest
₱17,507
5.75% p.a. · 30 years · ₱3,000,000 financed
Monthly MRI (est.)
₱675
Monthly fire ins. (est.)
₱438
Effective monthly
₱18,620
Required gross income
₱58,357
30% capacity rule for this loan tier
Estimated loanable amount
₱3,000,000
Lowest of your desired amount, LTV cap and income cap
Property / LTV cap
₱3,150,000
90% of property value, capped at ₱10M
Income capacity cap
₱5,140,746
What your declared income could support
Amortization schedule
5.75% p.a. · 30 years · ₱3,000,000 financed
Total interest
₱3,302,587
Total of payments
₱6,302,587
Interest share
52%
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₱38,593 | ₱171,493 | ₱2,961,407 |
| 2 | ₱40,871 | ₱169,215 | ₱2,920,536 |
| 3 | ₱43,284 | ₱166,802 | ₱2,877,252 |
| 4 | ₱45,840 | ₱164,246 | ₱2,831,412 |
| 5 | ₱48,546 | ₱161,540 | ₱2,782,866 |
| 6 | ₱51,412 | ₱158,674 | ₱2,731,453 |
| 7 | ₱54,448 | ₱155,638 | ₱2,677,006 |
| 8 | ₱57,662 | ₱152,424 | ₱2,619,343 |
| 9 | ₱61,067 | ₱149,020 | ₱2,558,277 |
| 10 | ₱64,672 | ₱145,414 | ₱2,493,604 |
| 11 | ₱68,490 | ₱141,596 | ₱2,425,114 |
| 12 | ₱72,534 | ₱137,552 | ₱2,352,580 |
| 13 | ₱76,816 | ₱133,270 | ₱2,275,764 |
| 14 | ₱81,352 | ₱128,735 | ₱2,194,412 |
| 15 | ₱86,155 | ₱123,932 | ₱2,108,258 |
| 16 | ₱91,241 | ₱118,845 | ₱2,017,017 |
| 17 | ₱96,628 | ₱113,458 | ₱1,920,389 |
| 18 | ₱102,333 | ₱107,753 | ₱1,818,056 |
| 19 | ₱108,375 | ₱101,712 | ₱1,709,681 |
| 20 | ₱114,773 | ₱95,313 | ₱1,594,908 |
| 21 | ₱121,549 | ₱88,537 | ₱1,473,359 |
| 22 | ₱128,725 | ₱81,361 | ₱1,344,634 |
| 23 | ₱136,325 | ₱73,761 | ₱1,208,309 |
| 24 | ₱144,374 | ₱65,712 | ₱1,063,935 |
| 25 | ₱152,898 | ₱57,188 | ₱911,037 |
| 26 | ₱161,925 | ₱48,161 | ₱749,112 |
| 27 | ₱171,485 | ₱38,601 | ₱577,627 |
| 28 | ₱181,609 | ₱28,477 | ₱396,018 |
| 29 | ₱192,331 | ₱17,755 | ₱203,687 |
| 30 | ₱203,687 | ₱6,400 | ₱0 |
| Total | ₱3,000,000 | ₱3,302,587 | ₱6,302,587 |
Assumes the selected rate holds for the whole term and every payment lands on schedule. The 2026 promo pricing is a 3-year rate lock — the schedule beyond year 3 is indicative only.
Cash out & eligibility
Cash equity / down payment
₱500,000
Property value minus the financed amount. This estimate uses 90% of property value, so plan this plus closing costs as cash out before turnover.
24 monthly contributions logged — meets the general 24-month minimum. Final eligibility is validated by Pag-IBIG.
Age 35 + 30-year term = 65 at maturity, within the usual age-70 ceiling.
What this means
Loan-to-value assumption
90% of property value, capped at ₱10,000,000 — the 2026 announced ceiling per borrower.
Income rule used
30% of gross monthly income for principal and interest — 35% for lower-ticket loans, 30% above ₱2M.
Age rule checked
The term should usually finish by age 70; your inputs are capped accordingly.
Rate scenario
June 2026 promo — 4.5% under the affordable threshold, 5.75% above it.
Formula used
P · r · (1 + r)ⁿ / ((1 + r)ⁿ − 1)
Monthly principal and interest uses the standard amortization formula. Required gross income is estimated as monthly P&I divided by the capacity ratio observed for the selected loan tier. Monthly insurance is estimated as loan × 0.000225, based on observed public calculator behavior.
Formula checks
Benchmark examples computed live with the same formula, so you can compare this tool against public Pag-IBIG-style amortization examples.
₱1,800,000 loan · 30 yrs · 4.5%
Principal & interest
₱9,120
Insurance estimate
₱405
Required income
₱26,058
₱2,500,000 loan · 30 yrs · 5.75%
Principal & interest
₱14,589
Insurance estimate
₱563
Required income
₱48,631
₱5,000,000 loan · 20 yrs · 5.75%
Principal & interest
₱35,104
Insurance estimate
₱1,125
Required income
₱117,014
Before you apply or reserve a property
Use this estimate to understand whether the home fits your budget, then verify the current rate, documents, appraisal, equity, insurance, taxes, and release process with Pag-IBIG. If you are planning construction, pair this financing estimate with a realistic build cost and schedule.
Planning a house build too?
Financing is only one part of the plan. Pair this with the construction cost tool before asking for a contractor quote.
Pag-IBIG housing loan FAQ
Common questions about estimating Pag-IBIG affordability.
How much can I borrow from Pag-IBIG for a housing loan?
Your estimated loanable amount depends on the Pag-IBIG cap, property value or appraisal, income capacity, loan term, age, contribution history, and final Pag-IBIG evaluation. This calculator estimates those limits, but it does not guarantee approval.
How much income do I need for a Pag-IBIG housing loan?
A common affordability check is that monthly principal and interest should fit within a percentage of gross monthly income. This calculator uses a higher 35% capacity assumption for lower-ticket scenarios and a more conservative 30% assumption for larger loans, based on official-calculator benchmarks.
What is the Pag-IBIG housing loan interest rate in 2026?
Rates vary by fixed pricing period and can change. This calculator includes regular fixed-pricing rates and a June 2026 promo scenario, but you should verify current rates with Pag-IBIG before applying or committing to a property.
Does this Pag-IBIG calculator guarantee approval?
No. It is an estimate for planning only. Final approval depends on Pag-IBIG policies, income validation, property appraisal, borrower qualifications, fees, documents, and current rates.
Is Pag-IBIG cheaper than a bank housing loan?
Sometimes, but not always. Pag-IBIG and bank loans should be compared using the same loan amount, term, rate, repricing period, fees, and approval assumptions. Use the mortgage comparison tool after estimating your Pag-IBIG scenario.
What costs are not included in this calculator?
The estimate may not include every processing fee, appraisal fee, taxes, transfer costs, notarial fees, move-in fees, HOA or condo dues, renovation budget, furnishings, and other charges. Verify a full cash-out plan before reserving a property.
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