Pag-IBIG Housing Loan Calculator
Work out your Pag-IBIG monthly amortization, total interest, and the income you need to qualify — using 2026 rates. Enter your loan amount, term and rate below.
Estimated monthly payment
₱19,525
₱18,962 principal & interest + ₱562 est. MRI
- Total interest
- ₱3,826,335
- Total paid over term
- ₱6,826,335
- Income needed (35% rule)
- ₱55,784/mo
- Comfortable income (30%)
- ₱65,082/mo
Estimate only. Pag-IBIG caps the monthly amortization at about 35% of your gross income. Figures exclude fire insurance, taxes and fees, and the exact MRI premium varies — confirm current rates with Pag-IBIG.
How it works
Pag-IBIG sets your rate by the fixing period you choose — the longer you lock it, the higher it is — and amortizes the loan over your term. The monthly payment is principal and interest plus a Mortgage Redemption Insurance premium (and fire insurance, not shown here). Pag-IBIG then checks that the payment stays within about 35% of your gross income.
Want the full breakdown of rate tiers, the amortization factor and a worked example? Read our Pag-IBIG loan computation guide, compare it against banks and in-house financing in the financing comparison, and see how much salary you need to buy a condo. OFW members can apply from abroad — see the Pag-IBIG guide for OFWs.
Ready to shop? Browse properties for sale or check the price per square metre by city.
Frequently asked questions
How is the Pag-IBIG monthly amortization calculated?
Using the standard amortization formula: M = P × r ÷ (1 − (1 + r)^−n), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12), and n is the term in months. This calculator adds an estimated Mortgage Redemption Insurance (MRI) premium of about 0.225% of the loan per year on top of principal and interest.
What are the Pag-IBIG interest rates in 2026?
Pag-IBIG's regular rates are tiered by fixing period: 5.75% (1 year), 6.25% (3 years), 6.50% (5 years), 7.125% (10 years), 7.75% (15 years), 8.50% (20 years), and 9.75% (30 years). The socialized 4PH program carries a subsidised 3% rate for qualifying low-income members and OFWs. Choose your tier in the calculator above.
How much income do I need for a Pag-IBIG loan?
Pag-IBIG caps your monthly amortization at about 35% of your gross monthly income. The calculator shows both the income needed at that 35% ceiling and a more comfortable figure at 30%. To raise what you qualify for, add a co-borrower, lengthen the term, or increase your down payment.
How much can I borrow from Pag-IBIG?
Up to ₱10,000,000 per borrower in 2026 (raised from ₱6 million), over a term of up to 30 years, with the loan ending no later than your 70th birthday. The actual amount is the lowest of your applied amount, the loan-to-value limit, and your capacity to pay under the 35% rule.
Is this calculator an official Pag-IBIG quote?
No. It is an estimate for guidance only, using 2026 rates. It excludes fire insurance, taxes and processing fees, and the exact MRI premium varies by age and balance. Confirm the official figures with Pag-IBIG before deciding.