Pag-IBIG housing loan calculator
What a loan costs per month, and how much you can borrow on your income — using Pag-IBIG's published rates as of 2026-05-27.
Your loan
Combine incomes if you plan to apply with a co-borrower.
Maximum 30 years. A shorter term costs more monthly but far less in total interest.
Pag-IBIG sets the rate by how long you fix it. Socialized housing is 3%.
Your monthly payment
₱12,887
per month for 30 years at 9.750%
Over the 35% cap on a ₱30,000 income, which allows ₱10,500 a month. A co-borrower raises the cap.
- Principal
- ₱1,500,000
- Interest
- ₱3,139,434
- Total repaid
- ₱4,639,434
On a ₱30,000 income you could borrow up to
₱1,222,132
Pag-IBIG is running a promo rate of 4.5% for the first 3 years on a loan this size. It is not included above — a 3-year teaser applied across 30 years would understate the payment badly.
This is an affordability estimate, not an approval. The Regular Housing Loan ceiling is ₱10,000,000 per borrower (raised from ₱6,000,000 on 2026-05-27), and Pag-IBIG lends only up to 95% of a property's appraised value. The appraisal happens after you apply, so the final figure can be lower than this.