Buying a home is one of the biggest financial decisions you’ll ever make — and the Pag-IBIG Housing Loan Calculator Philippines 2025 helps make that journey easier.
This tool allows you to estimate your loanable amount, monthly amortization, and interest rate based on your income, contribution record, and chosen repayment period.
Whether you’re a first-time homebuyer or refinancing an existing property, understanding how the Pag-IBIG Fund works can save you thousands of pesos in the long run.
💡 What is the Pag-IBIG Housing Loan?
The Pag-IBIG Fund (Home Development Mutual Fund or HDMF) was created to help Filipino workers buy their dream homes through affordable financing. It’s a government-backed loan program offering:
- Low interest rates (as low as 5.75%)
- Flexible payment terms (up to 30 years)
- No need for large down payments
Through the Pag-IBIG Housing Loan Calculator, you can estimate how much you can borrow and what your monthly payments would look like before you even apply.
🏦 How the Pag-IBIG Housing Loan Calculator Works
The calculator uses three main factors:
1️⃣ Gross Monthly Income – Determines how much you can afford to borrow.
2️⃣ Loan Amount – The total amount you wish to finance.
3️⃣ Repayment Term – Number of years (usually 5, 10, 15, 20, 25, or 30).
Once entered, it automatically computes your estimated monthly amortization using the latest Pag-IBIG interest rates (2025).
🧮 Example:
If you’re borrowing ₱2,000,000 for 20 years at a 6.375% interest rate:
Your monthly payment ≈ ₱14,870
The calculator makes this computation instantly — no manual math required.
📈 Updated Pag-IBIG Housing Loan Interest Rates (2025)
| Fixed Period | Interest Rate |
|---|---|
| 1 year | 5.75% |
| 3 years | 6.25% |
| 5 years | 6.375% |
| 10 years | 7.5% |
| 15–30 years | 8.5% |
The longer the fixed period, the higher the interest rate — but it provides more stability if you prefer predictable payments.
🧾 Loan Eligibility Requirements
To qualify for a Pag-IBIG housing loan, you must:
- Be an active Pag-IBIG member for at least 24 months.
- Be not more than 65 years old at the time of application and 70 years old at loan maturity.
- Have no existing foreclosed, cancelled, or defaulted Pag-IBIG loans.
- Have the capacity to pay the loan (based on income documents).
🏡 Types of Pag-IBIG Housing Loans
Pag-IBIG offers various loan purposes:
| Loan Type | Description |
|---|---|
| Purchase of Lot or House & Lot | For buying new or pre-owned residential properties. |
| Construction or Home Improvement | For building or upgrading an existing home. |
| Refinancing | For transferring an existing loan to Pag-IBIG for lower interest rates. |
| House Completion | For finishing an incomplete house project. |
You can use the Pag-IBIG Housing Loan Calculator for any of these loan types.
💰 How Much Can You Borrow?
Pag-IBIG allows members to borrow up to ₱6 million, depending on:
- Your monthly income
- Capacity to pay
- Loan-to-Value ratio (LTV)
- Property appraisal value
Example:
If your gross monthly income is ₱50,000, you may qualify for a loan between ₱2.5M – ₱3M.
The Net Salary Calculator Philippines 2025 can help you determine your disposable income to check if you can afford monthly payments.
🧮 Example Computation (2025)
| Loan Amount | Term | Interest | Monthly Amortization |
|---|---|---|---|
| ₱1,000,000 | 10 years | 6.375% | ₱11,375 |
| ₱2,000,000 | 20 years | 6.375% | ₱14,870 |
| ₱3,000,000 | 30 years | 8.5% | ₱23,064 |
Remember: these values are estimates. The actual amount depends on Pag-IBIG’s evaluation of your financial capacity.
⚙️ Step-by-Step Guide to Using the Calculator
- Enter your desired loan amount (₱500,000 to ₱6,000,000).
- Choose your preferred repayment term (5–30 years).
- Select your interest rate fixing period.
- Click Calculate — your monthly amortization appears instantly.
- Adjust the values to find a comfortable payment amount.
You can also combine this with:
BIR Income Tax Calculator 2025 to estimate your take-home pay.
SSS, PhilHealth & Pag-IBIG Contribution Calculator to check your contributions.
🏦 Additional Fees & Charges
When applying for a Pag-IBIG housing loan, keep in mind there are other minor fees:
- Appraisal Fee – ₱2,000 (house & lot)
- Documentary Stamp Tax – ₱15 per ₱1,000 of loan
- Notarial Fee – ₱500–₱1,000
- Insurance Premium – varies
These costs are typically included in your total loan computation.
💡 Tips to Get Approved Faster
- Maintain updated Pag-IBIG contributions.
- Ensure stable employment or income source.
- Keep your credit history clean.
- Apply for an amount that matches your net income capacity.
- Provide complete documents (payslips, IDs, title, tax declaration, etc.).
If you’re self-employed, the Freelancer Tax Calculator Philippines can help prove your income consistency.
🔗 Related Calculators for Smarter Planning
To plan your finances more effectively, you can also use:
- Net Salary Calculator Philippines 2025 – To check your take-home pay.
- 13th Month Pay Calculator Philippines – To include your bonus in income planning.
- Personal Loan Calculator Philippines – To compare with short-term loan options.
- Car Loan Calculator Philippines – For auto financing estimates.
- Compound Interest Calculator (Philippine Peso Example) – To forecast savings growth.
- Electricity Bill Calculator (Meralco Bill Estimator) – For monthly budget planning.
📑 Example Scenario: Combine Housing + Salary Calculation
Let’s say:
- You earn ₱45,000/month (₱540,000/year).
- You’re applying for a ₱2,000,000 Pag-IBIG loan (20 years).
Monthly amortization: ₱14,870
Net salary (after tax & deductions): ₱36,000
You’ll spend around 41% of your take-home pay on your housing loan — which is within the ideal range (below 45%).
That’s how the Pag-IBIG Housing Loan Calculator Philippines 2025 helps determine affordability before applying.
📋 Frequently Asked Questions (FAQ)
Q1. Can I apply for a Pag-IBIG housing loan even if I’m self-employed?
Yes. As long as you’ve paid at least 24 monthly contributions and can show proof of income.
Q2. How long does the loan approval take?
Usually between 20–30 working days, depending on document completeness.
Q3. Can I apply for more than ₱6 million?
No. ₱6M is the current maximum loan amount under Pag-IBIG guidelines.
Q4. Can OFWs apply for a Pag-IBIG housing loan?
Yes. Overseas Filipino Workers (OFWs) are eligible if they’re active Pag-IBIG members.
Q5. Is there a penalty for late payments?
Yes. A small interest charge applies for overdue payments, but you can avoid this by setting up automatic payments.