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Loan Calculators

Pag-IBIG Housing Loan Calculator

Estimate your monthly amortization on a Pag-IBIG Fund housing loan. Enter your loan amount, rate, and term to see the diminishing-balance payment breakdown.

Loan Details

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₱
Net Loan Amount₱0.00
Estimated Monthly Amortization₱0.00
Total Principal
₱0.00
Total Interest
₱0.00
Total Amount to Pay₱0.00
*computed based on diminishing balance

How Pag-IBIG Housing Loans Work

The Pag-IBIG Fund (HDMF) runs the most accessible housing loan program in the Philippines, built specifically to make homeownership reachable for regular contributing members. Loan amounts scale up to ₱6,000,000 depending on your qualification tier — your contribution history, income, and the appraised value of the property all factor in. Terms stretch up to 30 years, and interest rates are tiered by loan amount, typically running lower than bank financing for smaller loan brackets — recent circulars have put rates around 6.25%–7% for loans up to the ₱750,000 bracket, rising for larger amounts.

This calculator doesn't assume a fixed rate — enter the exact figures from your Pag-IBIG loan offer or the bracket you expect to qualify for, and it computes your monthly amortization on a diminishing balance, the same method Pag-IBIG itself uses.

Run Your Numbers

  1. Property Value: The total contract price of the house, lot, or condo unit.
  2. Down Payment: What you're paying upfront. Pag-IBIG typically requires a minimum equity, often around 10-20% depending on the property and your qualification.
  3. Interest Rate: Use the rate quoted on your Pag-IBIG Loan Offer Sheet, or an illustrative rate from the bracket matching your loan amount.
  4. Loan Term: Up to 30 years — a longer term lowers your monthly payment but increases total interest paid.
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Rates re-price periodically.Pag-IBIG lets you lock a fixed rate for 1, 3, 5, 10, 15, 20, or 25 years. Shorter lock-in periods usually carry a lower starting rate but reprice sooner — factor that into your long-term budget, not just the first monthly payment.

Wondering how this stacks up against bank financing — and whether Pag-IBIG's long term actually saves you money over the life of the loan? See our Bank vs. Pag-IBIG Home Loan guide for the head-to-head numbers.

How is this calculated? (The Methodology)

Pag-IBIG housing loans use the Diminishing Balance Method — interest is charged only on the remaining principal, not the original loan amount.

The formula used for the monthly amortization is:
M = P [ i(1 + i)^n ] / [ (1 + i)^n - 1 ]
Where:
M = Total monthly payment
P = Principal loan amount (Property value minus down payment)
i = Monthly interest rate (Annual rate divided by 12)
n = Number of months (Years multiplied by 12)

Last updated: July 4, 2026

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