Philippines home loan calculator
Calculate Pag-IBIG housing loan and bank mortgage monthly payments, 30-year tenures, and minimum gross monthly income required.
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Pag-IBIG 3-yr fixed: 6.25% | Bank loan: 7.0% - 8.5%
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About this tool
Calculate your monthly amortization for a Pag-IBIG Housing Loan or commercial bank mortgage in the Philippines. Accurately determines monthly installments, total interest charges, and required gross monthly income.
How to use it
- 1 Enter the property purchase price.
- 2 Enter your down payment percentage (typically 10% to 20%).
- 3 Select interest rate and loan tenure (up to 30 years).
Questions
What is the maximum loan term for a Pag-IBIG Housing Loan?
Pag-IBIG offers housing loan tenures up to 30 years, provided the borrower does not exceed 70 years of age at loan maturity.
What is the gross monthly income requirement for a Philippine home loan?
Lenders generally require that the monthly amortization does not exceed 35% of the applicant's gross monthly household income.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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