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.
Principal & interest
₱17,507
Monthly insurance
₱675
Effective monthly
₱18,620
Calculator Inputs
What This Means
Estimated max loanable
₱3,150,000
Loan-to-value assumption
90% of property value, capped at ₱10,000,000
Income rule used
30% of gross monthly income for principal and interest
Age rule checked
Term should usually finish by age 70
Formula Used
Monthly principal and interest uses the standard amortization formula:P * r * (1 + r)^n / ((1 + r)^n - 1)
Required gross income is estimated as monthly principal and interest divided by the capacity ratio observed for the selected loan tier.
Monthly insurance is estimated as loan amount multiplied by 0.000225, based on observed public calculator behavior.
Eligibility Notes
For loans above the affordable promo threshold, this tool models the 2026 promo scenario at 5.75% instead of 4.5%.
Formula Checks
These are benchmark examples using the same formula, so visitors can compare the calculator against public Pag-IBIG-style amortization examples.
Sample 1
P1.8M loan, 30 years, 4.5%
Sample 2
P2.5M loan, 30 years, 5.75%
Sample 3
P5M loan, 20 years, 5.75%
Planning a house build too?
Financing is only one part of the plan. Pair this with the construction cost and timeline tools before asking for a contractor quote.
How the Pag-IBIG Calculator Works
The calculator estimates a housing-loan scenario from loan amount, property value, gross income, age, term, contribution history, and interest-rate scenario. It uses a standard amortization formula, then checks the result against estimated Pag-IBIG affordability constraints.
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.
Pag-IBIG Housing Loan FAQ
Common questions about estimating Pag-IBIG affordability
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.
Disclaimer: This calculator and guide are for general planning and educational purposes only. Results are estimates and are not official Pag-IBIG Fund computations, loan offers, approvals, or financial advice. Actual loanable amount, monthly amortization, interest rate, required income, fees, and approval will depend on Pag-IBIG Fund policies, validation, property appraisal, borrower qualifications, and submitted documents. Always verify rates and requirements with Pag-IBIG Fund before applying or committing to a property purchase.