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.
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
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
How the Pag-IBIG housing loan computation works
Pag-IBIG sets your loanable amount by taking the lowest of three ceilings: the program maximum, the capacity based on your gross monthly income, and the loan-to-value share of the property appraisal or contract price. Whichever is smallest is what you can actually borrow, which is why raising your income assumption does not always raise the approved amount.
Capacity to pay is the binding limit for most members. Pag-IBIG generally allows your monthly amortization to reach about 35 percent of your gross monthly income, less existing obligations, so a longer term or a co-borrower is often the practical way to qualify for a bigger loan.
The interest rate depends on the fixed pricing period you choose. Shorter fixing periods carry lower rates but expose you to repricing sooner; longer fixing periods cost more per month but lock your amortization for longer. The calculator above shows the amortization for each option so you can compare the trade-off directly.
- You need at least 24 monthly membership savings and active membership to qualify.
- The maximum term is 30 years, and the loan must be fully paid by the time you reach the age limit set by Pag-IBIG.
- Mortgage redemption insurance and fire insurance are added on top of the amortization shown.
- Pag-IBIG rates are usually lower than bank housing loan rates for small to mid-sized loans, so compare both.