How much house does ₱12,000 a month buy?
₱1,898,530 with the rate frozen for 5 years at 6.5%, but only ₱1,396,722 frozen for all 30 at 9.75% — the same budget buys ₱501,808 more house at the cheaper freeze.
What salary does a ₱12,000 payment need?
Pag-IBIG only lets the payment (the amortization, meaning the fixed monthly payment) take up 35% of your income before deductions, so you need ₱34,286 of gross monthly income — from one salary or a household's combined pay.
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.