PHGuides

Try

173 guides and 9 calculators, searchable in English and Tagalog.

Pag-IBIG Housing Loan Calculator

Pag-IBIG

Work out a Pag-IBIG housing loan amount, monthly amortisation and total interest from a property price, down payment and rate you enter.

Enter the current rate and confirm it with Pag-IBIG

This calculator does not carry current agency interest or dividend rates. You enter the rate, so a result is only as current as the figure you typed.

It is an estimate for planning, not an official quotation, and Pag-IBIG's own computation is what governs. Confirm the figures before you commit to anything.

BBAND
Band B · official published sources1 source cited, all from Pag-IBIG
Last verified
Where these figures come from

About these figures: the numbers below come from Pag-IBIG's official published sources: Pag-IBIG Fund | Regular Housing Loan (https://www.pagibigfund.gov.ph/Availmentofnewloan.html, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with Pag-IBIG before you rely on them. Last verified: 2026-08-31.

What this calculator does

You give it four things: the property price, the down payment as a percentage, the interest rate to assume, and the term in years. It returns the loan amount, the monthly amortisation, the total paid over the term and the total interest.

The rate field is deliberately empty. This site does not pre-fill agency rates, because a rate typed into a page in one year is a wrong number in the next. Pag-IBIG’s published rates are in the tables below.

Rates you can put in the rate box

Pag-IBIG publishes six rates for the regular housing loan, each listed against a repricing period. The page carrying them states “Here are our rates until December 31, 2026”.

Interest rate Repricing period
6.500% 5 years
7.125% 10 years
7.750% 15 years
8.500% 20 years
9.125% 25 years
9.750% 30 years

Two promotional rates run alongside them, both covering the first 3 years of the loan term.

Promo rate Applies to
4.5% House and lot over ₱950,000, or condominium over ₱1.8 million, up to ₱4.9 million
5.75% Loans over ₱4.9 million up to ₱10 million

A separate Affordable Housing Loan exists with rates as low as 3% for minimum-wage earners. That is a different programme and this calculator does not model its rules.

What the calculator does not know

Three limits worth reading before you trust an output.

  • It pairs one rate with the whole term. Pag-IBIG lists each rate against a repricing period, and this page does not have Pag-IBIG’s own explanation of how that repricing is applied. Running a 20-year term at 8.500% assumes 8.500% holds for 20 years, which is a modelling assumption made here for comparability, not a Pag-IBIG quotation.
  • It covers principal and interest only. Pag-IBIG’s page also has sections on the loanable amount by income, fees, insurance premiums and the Housing Loan Reserve Payment. Those were not read from the source, so nothing here reflects them.
  • The ₱10 million ceiling is not enforced by the tool. Pag-IBIG publishes ₱10 million per member as the maximum and up to 30 years as the maximum term, with up to 2 co-borrowers allowed on the same loan. Enter a price above what that supports and the calculator will still compute.

The rates are official, Band B figures read from Pag-IBIG. The projections are this site’s arithmetic on them.

Worked example: a ₱3,000,000 property at 10% down

The loan is ₱2,700,000 in every row. Only the term and its paired rate change.

Term Rate Monthly Total paid Total interest
5 years 6.500% ₱52,829 ₱3,169,716 ₱469,716
10 years 7.125% ₱31,524 ₱3,782,821 ₱1,082,821
15 years 7.750% ₱25,414 ₱4,574,600 ₱1,874,600
20 years 8.500% ₱23,431 ₱5,623,495 ₱2,923,495
25 years 9.125% ₱22,890 ₱6,866,959 ₱4,166,959
30 years 9.750% ₱23,197 ₱8,350,981 ₱5,650,981

Look at the monthly column from top to bottom. It falls all the way to 25 years, then turns back up at 30 years, from ₱22,890 to ₱23,197. That is not an error. Going from 25 years to 30 adds 0.625 percentage points to the rate, and under the pairing described above the extra rate costs more than the extra 5 years of spreading saves. A 30-year term at 9.750% carries both a larger monthly payment and 5 more years of it than a 25-year term at 9.125%, and ₱1,484,022 more interest.

What the down payment does

Same ₱3,000,000 property, same 20-year term at 8.500%, varying only the down payment.

Down payment Loan amount Monthly Total interest
0% ₱3,000,000 ₱26,035 ₱3,248,327
5% ₱2,850,000 ₱24,733 ₱3,085,911
10% ₱2,700,000 ₱23,431 ₱2,923,495
20% ₱2,400,000 ₱20,828 ₱2,598,662
30% ₱2,100,000 ₱18,224 ₱2,273,829

Every 10 percentage points of down payment on this property removes about ₱2,604 from the monthly payment and about ₱324,832 from the projected interest. The relationship is linear because the loan amount is the only thing changing.

Property price ladder

At 10% down over 20 years at 8.500%.

Property price Loan amount Monthly Total interest
₱1,000,000 ₱900,000 ₱7,810 ₱974,498
₱2,000,000 ₱1,800,000 ₱15,621 ₱1,948,996
₱3,000,000 ₱2,700,000 ₱23,431 ₱2,923,495
₱5,000,000 ₱4,500,000 ₱39,052 ₱4,872,491
₱7,500,000 ₱6,750,000 ₱58,578 ₱7,308,736
₱11,111,111 ₱10,000,000 ₱86,782 ₱10,827,757

The last row is the ceiling. At 10% down, a property priced ₱11,111,111 borrows exactly the ₱10,000,000 maximum, and the projected interest of ₱10,827,757 exceeds the amount borrowed.

Down payment Property price that borrows exactly ₱10,000,000
0% ₱10,000,000
5% ₱10,526,316
10% ₱11,111,111
20% ₱12,500,000
30% ₱14,285,714

What the promo rate is worth, and what it hides

The promo covers the first 3 years only, so the fair comparison is the first 36 months of payments against the regular rate paired with the same term.

Property and term Rate entered Loan Monthly Paid over the first 36 months
₱4,000,000 at 10% down, 20 years promo 4.5% ₱3,600,000 ₱22,775 ₱819,914
₱4,000,000 at 10% down, 20 years regular 8.500% ₱3,600,000 ₱31,242 ₱1,124,699
₱6,000,000 at 10% down, 30 years promo 5.75% ₱5,400,000 ₱31,513 ₱1,134,466
₱6,000,000 at 10% down, 30 years regular 9.750% ₱5,400,000 ₱46,394 ₱1,670,196

On the ₱4,000,000 property the promo is worth ₱8,467 a month, or ₱304,785 across the first 36 months. On the ₱6,000,000 property it is ₱14,881 a month, or ₱535,730 across the same 3 years.

That is also the trap the calculator can help you avoid. Run it once at the promo rate to see what you pay for the first 3 years, then run it again at the regular rate paired with your term to see what the payment may become from year 4. Budget against the second number. Pag-IBIG’s page does not state what rate applies once the promo period ends, and both promo rates are valid until 31 December 2026.