Pag-IBIG Housing Loan Calculator (2026)
Calculate monthly amortization with current 2026 rates, including the 4PH 3% subsidized rate.
Last updated 2026-07-12. Includes the June 2026 Expanded 4PH promo rates and the PHP 10M ceiling, confirmed from public sources. Standard tier rates (5.875%-9.75%), which apply outside the promo, are indicative; confirm with pagibigfund.gov.ph before committing.
Pag-IBIG cut its rates in June 2026. The 4PH rate stays at 3% for low-income members and OFWs. Above the socialized ceiling, a promo rate of 4.5% now applies up to PHP 4.9 million and 5.75% up to the new PHP 10 million cap, both fixed for three years, for applications received until 2026-12-31. Outside the promo, standard rates run 5.875% to 9.75% depending on loan size and fixed pricing period. Use this Pag-IBIG home loan calculator to see what you would actually pay each month, check 4PH eligibility, and stress-test against repricing after the fixed period.
Whether you call it a Pag-IBIG calculator, a house loan computation, or an HDMF home loan calculator, the math is the same. Enter your numbers below, or read the sample computation and amortization table further down the page.
Typical down payment is 5% (PHP 150,000) for properties up to PHP 2.5M, 10% above that.
4PH income thresholds differ by location: PHP 47,856 NCR, PHP 34,686 outside NCR.
1 to 30 years. Age at maturity must not exceed 70.
Auto-detect chooses 4PH if your income and property qualify, then the promo rate (applications received until 2026-12-31), then standard.
Longer fixed periods mean higher initial rates but more stability against repricing. The promo rate is only available on 3-year fixing.
₱13,681
for 30 years at 4.500%
Total Interest
₱2,224,981
over 360 months
Total Paid
₱4,924,981
principal + interest
Closing costs (CGT, DST, transfer tax, registration, notarial) are paid at signing on top of the down payment.
Compute closing costs for this property →Disclaimer
This calculator is for estimation only. The official Pag-IBIG amortization includes a Mortgage Redemption Insurance (MRI) premium that is not included here. The 4PH 3% rate and the promo rates (4.5% up to PHP 4.9M, 5.75% up to PHP 10M, fixed 3 years, for applications received until 2026-12-31) are confirmed from public sources. Standard tier rates (5.875% to 9.75%), which apply outside the promo, are indicative and should be verified against the official Pag-IBIG rate schedule at pagibigfund.gov.ph before committing. Rates and program parameters change; always confirm with Pag-IBIG or an accredited Pag-IBIG developer before applying. Last updated 2026-07-12.
Do you have verifiable proof of stable income? (ITR, payslips, employment contract, or OFW remittance records)
Is the property located in the Philippines?
Have you had any prior Pag-IBIG housing loan defaults?
You likely qualify for a Pag-IBIG housing loan.
Next step: prepare your income documents (ITR, payslips, or contract) and request a Housing Loan Application form from Pag-IBIG or an accredited developer.
Looking for a property to finance?
What this calculator covers
- 1Monthly amortization
For any program, term, and loan amount up to PHP 10M.
- 24PH 3% eligibility
Automatic check based on income, OFW status, and property ceiling.
- 3Required income
Based on Pag-IBIG's 35% affordability rule.
- 4Repricing scenarios
See what happens after the fixed pricing period ends.
- 5Prepayment what-if
How extra monthly payments shorten the term.
Key 2026 rates
- 4PH: 3.00% fixed for 5 years (10 for early-bird).
- Promo, up to PHP 4.9M: 4.50% fixed for 3 years.
- Promo, PHP 4.9M to PHP 10M: 5.75% fixed for 3 years.
- Standard: 5.875%-9.75% depending on loan size and fixed pricing period. Applies outside the promo.
Promo rates apply to applications received until 2026-12-31.
Ceiling: PHP 10,000,000. Max term: 30 years.
Good to know
- MRI premium (Mortgage Redemption Insurance) is not included in this calculator. Add roughly PHP 45 plus 0.225% of loan annually for a more realistic monthly figure.
- OFW members auto-qualify for 4PH regardless of income, subject to the property ceiling.
- Co-borrower income can be combined with the primary applicant's for affordability calculations.
- Age cap: Maximum 65 at application and 70 at loan maturity.
How much can you borrow from Pag-IBIG?
The maximum loanable amount is PHP 10,000,000 for regular members. Actual approved amount depends on three things: your gross monthly income (capped at 35% for monthly amortization), the appraised value of the property (subject to LTV: 95% up to PHP 2.5M, 90% above), and your capacity to amortize over the chosen term.
4PH members are capped lower: PHP 950,000 for house-and-lot and PHP 1.8M for condo units.
How much loan can you get on your salary?
Over 30 years, the 35% affordability rule gives you roughly the figures below. The rate itself depends on how much you borrow, so each figure is the largest loan that income can carry at the rate that loan is actually priced at: 4.5% up to PHP 4.9M, 5.75% above it.
- PHP 25,000 monthly income: about ₱1,726,910 maximum loan at 4.50%
- PHP 50,000 monthly income: about ₱3,453,820 maximum loan at 4.50%
- PHP 75,000 monthly income: about ₱4,900,000 maximum loan at 4.50%
- PHP 100,000 monthly income: about ₱5,997,537 maximum loan at 5.75%
- PHP 150,000 monthly income: about ₱8,996,306 maximum loan at 5.75%
- PHP 200,000 monthly income: PHP 10M ceiling reached
The lower promo rate stretches what a given income can borrow: at the old 6.25% rate, a PHP 50,000 income supported roughly ₱2,842,214, against ₱3,453,820 today. Incomes that land near PHP 4.9M stop there rather than crossing into the 5.75% band: borrowing past the edge reprices the whole loan, which costs more per month than the extra principal is worth.
How Pag-IBIG monthly amortization is computed
Standard mortgage amortization formula: M = P x [r(1+r)^n] / [(1+r)^n - 1], where P is the principal (loan amount), r is the monthly interest rate (annual rate divided by 12), and n is the total number of monthly payments (term in years multiplied by 12).
Pag-IBIG housing loan sample computation
Here is a step-by-step worked example using realistic Metro Manila numbers. It shows exactly how the Pag-IBIG calculator above arrives at your monthly amortization, so you can follow the math by hand or in a spreadsheet.
Plugging the loan amount, monthly rate, and number of payments into M = P x [r(1+r)^n] / [(1+r)^n - 1] gives the monthly amortization:
₱14,222 per month
Over the full 30-year term that is ₱5,119,751 in total payments, of which ₱2,869,751 is interest. This is for a Standard housing loan; a 4PH-qualified borrower at 3% would pay far less on the same loan amount.
| Year | Annual payment | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|---|
| 1 | ₱170,658 | ₱25,149 | ₱145,510 | ₱2,224,851 |
| 5 | ₱170,658 | ₱32,593 | ₱138,065 | ₱2,106,247 |
| 10 | ₱170,658 | ₱45,071 | ₱125,588 | ₱1,907,463 |
| 20 | ₱170,658 | ₱86,183 | ₱84,475 | ₱1,252,469 |
| 30 | ₱170,658 | ₱164,799 | ₱5,860 | ₱0 |
Early payments are mostly interest; the principal portion grows each year. To run the same computation for your own house loan, use the Pag-IBIG calculator at the top of this page.
Pag-IBIG housing loan monthly amortization table
Monthly amortization by loan amount over 30 years, at the promo rate that applies to each loan size: 4.5% up to PHP 4.9 million, 5.75% above that up to the PHP 10 million cap. The last column shows what the same loan cost at the 6.25% rate the promo replaced, so you can see the saving. Promo rates apply to applications received until 2026-12-31.
| Loan amount | Promo rate | Monthly (30 yrs) | Required gross income | Total interest (30 yrs) | Monthly at old 6.25% |
|---|---|---|---|---|---|
| ₱500,000 | 4.50% | ₱2,533 | ₱7,238 | ₱412,034 | ₱3,079 |
| ₱1,000,000 | 4.50% | ₱5,067 | ₱14,477 | ₱824,067 | ₱6,157 |
| ₱1,500,000 | 4.50% | ₱7,600 | ₱21,715 | ₱1,236,101 | ₱9,236 |
| ₱2,000,000 | 4.50% | ₱10,134 | ₱28,953 | ₱1,648,134 | ₱12,314 |
| ₱2,500,000 | 4.50% | ₱12,667 | ₱36,192 | ₱2,060,168 | ₱15,393 |
| ₱3,000,000 | 4.50% | ₱15,201 | ₱43,430 | ₱2,472,201 | ₱18,472 |
| ₱4,000,000 | 4.50% | ₱20,267 | ₱57,907 | ₱3,296,268 | ₱24,629 |
| ₱4,900,000 | 4.50% | ₱24,828 | ₱70,936 | ₱4,037,929 | ₱30,170 |
| ₱6,000,000 | 5.75% | ₱35,014 | ₱100,041 | ₱6,605,174 | ₱36,943 |
| ₱7,000,000 | 5.75% | ₱40,850 | ₱116,715 | ₱7,706,036 | ₱43,100 |
| ₱8,500,000 | 5.75% | ₱49,604 | ₱141,725 | ₱9,357,329 | ₱52,336 |
| ₱10,000,000 | 5.75% | ₱58,357 | ₱166,735 | ₱11,008,623 | ₱61,572 |
Required gross income applies Pag-IBIG's 35% affordability rule to the promo-rate amortization. The promo rate is fixed for three years, after which the loan reprices. 4PH-qualified borrowers pay less again at 3%. Use the calculator above for your exact scenario, including repricing after the fixed period.
The 4PH Program: who qualifies for the 3% rate
The Pambansang Pabahay para sa Pilipino (4PH) program offers a subsidized 3% interest rate for socialized housing. To qualify, your monthly income must not exceed PHP 47,856 in NCR or PHP 34,686 outside NCR. All OFWs auto-qualify regardless of income. The property must be a 4PH-eligible unit (under PHP 950,000 for house-and-lot or PHP 1.8M for condominium). The 3% rate is fixed for the first 5 years (10 years for early-bird applicants within the first 30,000 slots).
Pag-IBIG interest rates 2026
Pag-IBIG retained the 3% subsidized rate for 4PH. In June 2026, under the Expanded 4PH program, it cut its three-year fixed rate from 6.25% to promotional levels: 4.5% for loans above the socialized ceiling up to the PHP 4.9 million low-cost housing ceiling, and 5.75% for loans above PHP 4.9 million up to the new PHP 10 million cap. Both promo rates are fixed for three years and apply to applications received until 2026-12-31. After the three-year fixed period the loan reprices on your chosen repricing period.
Outside the promo, standard rates depend on loan amount and chosen fixed pricing period: from 5.875% for small short-fixed loans to 9.75% for 30-year fixed. The promo is only offered on three-year fixing, so choosing a longer fixed period means standard pricing.
Who is eligible for a Pag-IBIG housing loan?
Active Pag-IBIG member with at least 24 monthly contributions, below 65 years old at application, age not exceeding 70 at loan maturity, with verifiable proof of stable income, no prior Pag-IBIG housing loan defaults, and acquiring property located within the Philippines. Use the eligibility checker above to verify your status.
Common reasons Pag-IBIG applications get denied
- Insufficient contribution months (under 24).
- Monthly amortization exceeds 35% of gross income.
- Age at maturity exceeds 70.
- Property not titled, or title encumbered.
- Unsettled prior Pag-IBIG loan.
- Income documentation incomplete or inconsistent with declared income.
Two of these are title problems, not income problems. Pag-IBIG lends against the property as much as against you, so an untransferred or encumbered title sinks an otherwise strong application. Read how financed purchases change the registration flow before you commit to a seller.
How to pay off your Pag-IBIG loan faster
Pag-IBIG allows partial and full prepayment without penalty. Use the prepayment scenario in the calculator above to see how much time and interest you save by adding a fixed amount monthly. A common strategy is to use 13th-month pay and bonuses as lump-sum principal payments. Confirm posting rules with your branch since partial prepayments are typically applied to principal but timing can vary.
Risks to understand before taking a Pag-IBIG loan
- Repricing risk: Standard loans reprice after the fixed pricing period. A rate increase of 2% on a PHP 3M loan adds roughly PHP 4,000 to your monthly payment.
- Foreclosure: Three months of missed payments triggers foreclosure proceedings. Pag-IBIG sells foreclosed properties at auction.
- Insurance cost: MRI premium and fire insurance are mandatory and not optional.
- Title risk: Pag-IBIG won't release the title until the loan is fully paid; you don't fully own the property until the last amortization is settled.
Frequently Asked Questions
Common questions about Pag-IBIG housing loans
Pag-IBIG raised its maximum housing loan to PHP 10 million per borrower in 2026, up from PHP 6 million. The 4PH socialized housing program has lower ceilings: PHP 950,000 for house-and-lot units and PHP 1.8 million for condominiums.
Pag-IBIG kept the subsidized 4PH rate at 3% per annum. Under the Expanded 4PH promo announced in June 2026, loans above the socialized ceiling up to PHP 4.9 million carry 4.5% per annum fixed for three years, and loans above PHP 4.9 million up to the PHP 10 million cap carry 5.75% per annum fixed for three years. Both promo rates apply to applications received until December 31, 2026, and replace a previous 6.25% three-year fixed rate. Outside the promo, standard rates range from 5.875% to 9.75% depending on loan amount and chosen fixed pricing period.
The 4.5% and 5.75% promo rates apply to Pag-IBIG Housing Loan and Acquired Assets applications received until December 31, 2026. The rate itself is fixed for the first three years of the loan, after which the loan reprices based on your chosen repricing period.
Members earning up to PHP 47,856 monthly in NCR or PHP 34,686 outside NCR qualify for 4PH, provided the property meets the 4PH price ceilings (PHP 950,000 house-and-lot or PHP 1.8M condo). All OFWs are auto-eligible regardless of income.
Pag-IBIG uses the standard mortgage amortization formula: M = P x [r(1+r)^n] / [(1+r)^n - 1], where P is the loan amount, r is the monthly interest rate (annual divided by 12), and n is the total number of monthly payments (term years multiplied by 12).
Pag-IBIG applies a 35% income affordability rule: your monthly amortization should not exceed 35% of your gross monthly income. For a PHP 3 million loan at the 4.5% promo rate over 30 years (roughly PHP 15,201 per month), you would need about PHP 43,430 in gross monthly income. Priced off the standard schedule at 6.875% instead, the same loan runs about PHP 19,708 per month, needing roughly PHP 56,308.
Standard requirements: filled-out Housing Loan Application form, two valid IDs, latest Income Tax Return (or three months of payslips, or Certificate of Employment with Compensation), and Pag-IBIG Membership Status Verification Slip. Additional documents apply for OFWs, self-employed members, and the property itself (TCT/CCT, tax declaration, vicinity map).
Yes. Pag-IBIG allows full or partial prepayment without prepayment penalties. Partial prepayments are typically applied to principal, shortening the loan term. Confirm posting rules with your servicing branch.
After the fixed pricing period (1, 3, 5, 10, 15, 20, 25, or 30 years), Pag-IBIG reprices your monthly amortization based on the prevailing rate at that time. Longer fixed periods give more stability but start at higher rates.
Sources and verification
Rates and program parameters in this calculator are based on:
- https://www.rappler.com/brandrap/pag-ibig-housing-loan-promo-2026/
- https://www.pna.gov.ph/articles/1278844
- https://www.pagibigfund.gov.ph/availmentofnewloan.html
Last verified: 2026-07-12. Pag-IBIG rates and ceilings can change. Always confirm with pagibigfund.gov.ph or an accredited Pag-IBIG developer before committing.
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