How much of a ₱40,000 salary counts toward a loan?
Pag-IBIG caps your monthly payment (what the Fund calls the amortization) at 35% of your income before deductions. On a ₱40,000 salary that is ₱14,000 a month — the number every figure on this page is built from.
Can two incomes combine?
Yes. Income means gross pay — before any deductions — and it can be a household's combined pay: two earners on one application are counted together.
How long should you freeze the rate?
Freeze it for 5 years and you pay 6.5%; freeze it for all 30 and you pay 9.75%. The cheaper short freeze stretches the same ₱14,000 further — ₱585,442 more loan on this salary — but when it ends, Pag-IBIG re-sets the rate to whatever it charges then, and your payment moves with it.
What loan term do these numbers assume?
A 30-year loan — the longest Pag-IBIG offers, and the one that stretches a monthly payment the furthest — at the official rates that run to the end of 2026. A shorter term means higher payments but much less interest overall; the interactive calculator lets you try both.
Is this the amount Pag-IBIG will approve?
No — it is a planning number, not an approval. Pag-IBIG approves the lowest of three figures: what your income can carry (computed here), 95% of what the Fund's appraiser says the property is worth, and the ₱10,000,000 program maximum.