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Loan Calculators

Pag-IBIG MPL Calculator

Pag-IBIG lends against your Total Accumulated Value, not your salary — up to 80% of your savings and dividends combined.

₱

Your accumulated Pag-IBIG regular savings plus posted dividends.

Repayment term, up to a maximum of 24 months.

Maximum Loanable Amount (80% of TAV)

₱ 0.00

Loan Amount₱ 0.00
Interest Rate10.75% p.a., diminishing
Monthly Amortization₱ 0.00
Total Repayment₱ 0.00

How the Pag-IBIG MPL works

The Multi-Purpose Loan (MPL) lets active Pag-IBIG members borrow against their own savings — the Total Accumulated Value (TAV), which is your regular Pag-IBIG contributions plus posted dividends. You can borrow up to 80% of that TAV, subject to your contribution years and eligibility tier, and repay it over a term of up to 24 months.

This calculator uses an illustrative interest rate of 10.75% per annum on a diminishing balance, based on Pag-IBIG's published MPL schedule. Actual rates are set by HDMF circular and can change — confirm the current rate with Pag-IBIG or the Virtual Pag-IBIG portal before applying.

Quick Answers to Common Questions

Where do I find my Total Accumulated Value?▼
Check your Pag-IBIG Member's savings statement, or log in to the Virtual Pag-IBIG portal or app. It shows your total posted contributions plus the dividends credited to your account each year.
Why can't I borrow the full 80% shown here?▼
The 80% figure is a ceiling, not a guarantee. Pag-IBIG also checks your contribution tenure (typically at least 24 monthly contributions) and standing on any existing loans before approving the exact amount.

Last updated: July 4, 2026

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