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Pag-IBIG Housing Loan Calculator
Estimate your maximum Pag-IBIG housing loan, monthly amortization, and the income required — based on the official Pag-IBIG Fund affordability rules and 2024 fixed pricing rates.
PH
Affordability Calculator
Max loan ₱10M · Up to 30 yrs · P&I ≤ 35% of gross monthly income
Age 36 · Max term by age limit: 30 years
Rate used: 6.5% p.a. fixed for 5 years
Fill in the fields above and click Compute to see your estimate.
Disclaimer: Estimates only, for reference purposes. Rates are effective January 1, 2024 and may change without prior notice. The actual loanable amount may vary depending on Pag-IBIG Fund's validation and evaluation. Insurance figures are indicative (~0.27% of loan p.a. for MRI + fire); other fees not yet included. The fixed pricing period is how long you lock in your chosen rate.
Pag-IBIG Fixed Pricing Rates
Effective January 1, 2024
| Loan Category / Fixed Period | Interest rate |
|---|---|
| Promotional: Above socialized ceiling – ₱2.5M | 4.5% (fixed for 3 yrs) |
| Promotional: Above ₱2.5M – ₱10M | 5.75% (fixed for 3 yrs) |
| 1 Year (Standard) | 5.75% |
| 3 Years (Standard) | 6.25% |
| 5 Years (Standard) | 6.5% |
| 10 Years (Standard) | 7.125% |
| 15 Years (Standard) | 7.75% |
| 20 Years (Standard) | 8.5% |
| 25 Years (Standard) | 9.125% |
| 30 Years (Standard) | 9.75% |
Key Pag-IBIG Rules
- • Maximum calculator loanable amount: ₱10,000,000
- • Maximum repayment term: 30 years
- • Borrower must not be older than 70 at loan maturity
- • Principal & interest is computed at 35% of gross monthly income
- • Property-value mode uses 95% LTV below ₱2.5M, otherwise 90%
- • Must have at least 24 monthly Pag-IBIG contributions