Pag-IBIG Housing Loan Calculator
Reference rates · 3.0 – 7.5%Check basic eligibility, estimate an affordable loan amount, and preview monthly amortization for a Pag-IBIG housing loan.
Pag-IBIG housing loans remain one of the most accessible home financing options for Filipinos. Use this tool to check eligibility, maximum affordable borrowing, or exact monthly amortization.
Minimum 24 monthly contributions required
Must not exceed 65 years old at loan application
About Housing Loans
Pag-IBIG Housing Loan Guide
What is the 35% income rule?
Pag-IBIG Fund generally requires that your monthly housing amortization payment does not exceed 35% of your total gross monthly income to ensure long-term loan affordability.
What is the maximum loanable amount?
Under regular Pag-IBIG programs, eligible members can borrow up to PHP 6,000,000, subject to actual capacity to pay and property appraisal value.
Can co-borrowers be included?
Yes. Up to 3 relatives (up to second degree of consanguinity or affinity) can co-borrow to combine incomes and qualify for a higher loan ceiling.
What is the maximum repayment term?
Pag-IBIG offers repayment terms up to 30 years, provided the borrower’s age does not exceed 70 years old at final loan maturity.