Pag-IBIG Housing Loan Calculator
Estimate monthly amortization, compare loan terms and rates, and see how much principal may fit your housing budget.
Quick answer
Enter the amount you want to borrow, the annual interest rate and the repayment term. The calculator estimates the monthly principal and interest payment using the standard reducing-balance amortization formula. You can also enter a target monthly budget to estimate the principal that budget may support.
The result is for planning only. Pag-IBIG Fund may use a different approved amount, rate, term, property value, insurance charge or fee after it validates your application.
Estimate your Pag-IBIG housing loan
Choose what you want to compute. Rates shown as presets are examples based on publicly announced July 2026 housing-loan rates. Enter a custom rate when your offer is different.
What the calculator includes
The calculator uses the loan principal, annual interest rate and number of monthly payments. It produces an estimated payment for principal and interest under a level-payment amortization schedule. Each scheduled payment first covers the interest due for the month, while the remaining portion reduces the principal.
The affordability mode reverses the same formula. Instead of starting with a principal, it starts with a monthly payment budget and estimates how much principal that payment could support at the selected rate and term.
Pag-IBIG housing loan rates to test in 2026
Public announcements in July 2026 described three important annual rates. Treat them as planning presets, not a promise that every applicant will receive the selected rate.
| Rate to test | Publicly described use | Calculator note |
|---|---|---|
| 3.00% | Subsidized rate for eligible socialized housing borrowers under the expanded 4PH program. | Use only when you expect to qualify under the applicable subsidized program. |
| 4.50% | Promotional annual rate for qualified low-cost housing loans above the socialized threshold up to ₱4.9 million. | Public announcements described a three-year fixed pricing period. Repricing can affect later payments. |
| 5.75% | Promotional annual rate for qualified loans above ₱4.9 million, within the announced maximum housing loan amount of ₱10 million. | Use the custom-rate field when the rate offered in your case is different. |
Detailed rate ownership belongs to the separate Pag-IBIG Housing Loan Interest Rate article in this Housing Loans cluster. This page uses rates only as inputs for payment estimates.
How to use the Pag-IBIG housing loan calculator
Choose what you want to estimate
Select monthly payment when you already know the amount you may borrow. Select affordable loan amount when you have a monthly payment limit in mind.
Enter a realistic amount or budget
For monthly payment, enter the principal you expect to finance. For affordability, enter only the portion of your monthly budget available for principal and interest.
Select the rate that fits your scenario
Use a preset for an initial comparison. Switch to custom rate when you have a current quotation, notice or rate applicable to your intended program.
Compare several loan terms
Calculate the same amount over 10, 20 and 30 years. A longer term may reduce the monthly payment, but it normally increases total interest.
Add room for costs outside the formula
Do not treat the displayed payment as the complete monthly cash requirement. Allow for insurance, fees, taxes, utilities, association dues and home maintenance.
Confirm through an official assessment
Use your preferred scenario to prepare questions for Pag-IBIG Fund. Final affordability, property value, approved amount, term and payment must come from the official evaluation.
How monthly amortization is calculated
A housing loan is normally repaid through equal scheduled payments during a selected pricing period. The standard formula converts the annual rate into a monthly rate and spreads the principal across the number of monthly payments.
Monthly payment = P × r ÷ [1 − (1 + r)−n]
P is the principal, r is the monthly interest rate, and n is the number of monthly payments.
Sample Pag-IBIG monthly amortization computations
These examples show principal and interest only. Figures are rounded to the nearest peso and are not official billing amounts.
| Loan amount | Annual rate | Term | Estimated monthly payment |
|---|---|---|---|
| ₱950,000 | 3.00% | 30 years | ₱4,005 |
| ₱1,000,000 | 4.50% | 30 years | ₱5,067 |
| ₱2,500,000 | 4.50% | 30 years | ₱12,667 |
| ₱2,500,000 | 4.50% | 20 years | ₱15,816 |
| ₱5,000,000 | 5.75% | 30 years | ₱29,179 |
| ₱10,000,000 | 5.75% | 30 years | ₱58,357 |
The ₱950,000 and ₱10 million examples closely match figures used in public Pag-IBIG housing-loan announcements. Small differences may appear because of rounding, timing, insurance or the exact method used for the official computation.
Shorter term or lower monthly payment?
A shorter term normally costs more each month but reduces the number of interest-bearing months. A longer term lowers the scheduled monthly payment, which may improve cash-flow flexibility, but it normally produces a larger total interest amount if the rate stays the same.
Choose a shorter term when
- The higher payment remains comfortable after essential expenses
- You want to reduce total interest
- Your income is stable enough for less monthly flexibility
- The term remains acceptable under Pag-IBIG evaluation
Choose a longer term when
- You need a lower scheduled payment
- You want more room for emergencies and home expenses
- You understand that total interest may be higher
- You have considered how future repricing could change the payment
Why your official loan amount may be different
A correct mathematical estimate can still differ from Pag-IBIG Fund’s official result because approval involves more than the amortization formula.
Repayment capacity
Pag-IBIG reviews whether the proposed payment is supportable based on the applicant’s verified information and applicable rules. The calculator does not approve income or automatically determine eligibility.
Property appraisal
The selling price entered by a buyer is not automatically the value accepted for loan purposes. The official appraisal and program limits can affect how much may be financed.
Rate and pricing period
The selected rate may apply only to a fixed pricing period. A different rate may apply after repricing or when the application does not qualify for a promotional or subsidized rate.
Insurance and other charges
The official monthly amount may include insurance or other charges not included in this principal-and-interest calculator. One-time transaction expenses may also affect the cash you need.
Using the official Pag-IBIG affordability calculator
Pag-IBIG Fund maintains a separate Housing Loan Affordability Calculator. It can compute indicative income requirements and other figures using fields such as desired loan amount, gross monthly income, estimated property value, date of birth, preferred loan term and fixed pricing period.
The notice currently displayed on that official calculator says its rates are effective as of January 1, 2024. It also states that results are for reference only, actual loanable amounts may vary after validation and evaluation, and other fees are not yet included.
Open the official Pag-IBIG Housing Loan Affordability Calculator
Before relying on a calculator result
- Confirm the rate date and fixed pricing period
- Use the expected financed amount, not only the selling price
- Compare at least two repayment terms
- Reserve money for insurance and transaction costs
- Keep an emergency buffer after the monthly payment
- Do not treat an estimate as proof of approval
- Verify property and applicant requirements separately
- Request an official computation before committing funds
What to do after estimating your payment
Review your contribution and member records
Check that your membership information and posted savings are accurate. The Pag-IBIG contribution article explains how posted contributions can be reviewed.
Access the correct online services
Use Virtual Pag-IBIG for available member services and account information. Review the Pag-IBIG login instructions if you cannot access your account.
Verify your membership identifier
Make sure you can retrieve and use the correct number before completing housing-loan records. See the Pag-IBIG MID number instructions when needed.
Prepare for the separate application process
Review the Pag-IBIG housing loan requirements before preparing your documents. Online application steps belong to a separate Housing Loans article, while this calculator page remains focused on affordability and monthly amortization.
Related Pag-IBIG information
Frequently asked questions
How do I calculate my Pag-IBIG housing loan monthly payment?
Enter the desired principal, annual interest rate and loan term. The calculator converts the annual rate to a monthly rate and applies the standard amortization formula to estimate principal and interest.
How much is the monthly payment for a ₱1 million Pag-IBIG housing loan?
At 4.5% over 30 years, the estimated principal-and-interest payment is about ₱5,067 per month. The actual amount can differ because of insurance, fees, approved rate, term and official evaluation.
How much is the monthly payment for a ₱2.5 million housing loan?
At 4.5% over 30 years, the estimate is about ₱12,667 per month. At the same rate over 20 years, it rises to about ₱15,816 per month.
How much is the monthly payment for a ₱5 million Pag-IBIG loan?
At 5.75% over 30 years, the estimated principal-and-interest payment is about ₱29,179 per month. Use the custom-rate field when a different rate applies.
Can I calculate the affordable loan amount from my monthly budget?
Yes. Select Affordable loan amount, enter the monthly amount available for principal and interest, then choose the rate and term. The result is a mathematical estimate, not an eligibility decision.
Does the calculator include mortgage insurance?
No. The calculator shows principal and interest only. Mortgage redemption insurance, fire insurance and other charges may increase the official monthly amount.
Does the calculator include a down payment?
No. Enter the principal you expect to finance. Work out any equity, down payment or amount not covered by financing separately.
What interest rate should I enter?
Use the rate currently applicable to your intended program and fixed pricing period. The presets help with comparisons, but a custom rate is safer when you have an official quotation or current notice.
Can the interest rate change during the loan?
It can change after the selected fixed pricing period ends. Repricing may alter the payment on the remaining balance, so a single-rate full-term estimate is not guaranteed.
Is a 30-year term always available?
No. Thirty years is useful for planning and appears in Pag-IBIG public payment examples, but the term approved for an applicant depends on current program rules and the official evaluation.
Why is my calculator result different from Pag-IBIG’s figure?
The official figure may reflect validation, property appraisal, repayment capacity, the approved rate and term, insurance, fees, rounding and other conditions not included in this simplified calculator.
Is the official Pag-IBIG calculator updated to 2026 rates?
The official affordability calculator currently displays a notice saying its rates are effective as of January 1, 2024. Verify the latest rate separately and compare it with a custom-rate calculation.
Can OFWs use this calculator?
Yes, any reader can use it for a payment estimate. OFW eligibility, documents and income validation belong to the separate Pag-IBIG Housing Loan for OFWs article.
Can I use it for house construction or home improvement?
You may use it for a basic principal-and-interest scenario, but release schedules, project costs and requirements can make construction or improvement financing different. Those intents are reserved for separate Housing Loans articles.
Does a low estimated payment mean my loan will be approved?
No. A calculator tests mathematics only. Pag-IBIG Fund must evaluate the applicant, property, documents, repayment capacity and applicable program before approving a loan.
Where can I get an official housing-loan computation?
Use the official Pag-IBIG Housing Loan Affordability Calculator for an indicative result and contact Pag-IBIG Fund for an application-specific assessment and final figures.
Independent information notice
This website is an independent informational resource and is not operated by, affiliated with or endorsed by Pag-IBIG Fund or any Philippine government agency. The calculator provides planning estimates only. Rates, thresholds, eligibility, fees and application rules may change, so use official Pag-IBIG channels for current and account-specific confirmation.
