Housing Loan Eligibility Checker
A quick read on where you stand — not a substitute for an official pre-qualification.
Eligibility checklist
Assumes an illustrative 20% downpayment, 20-year term, and mid-tier rate to estimate amortization — the Housing Planner lets you set these exactly.
Estimated Amortization
₱13,885
Total DTI
30.9%
What this calculates
This combines a DTI estimate with a basic eligibility checklist into one quick read — closer to "am I in the right ballpark to apply" than a precise amortization number.
How to use it
- 1
Enter your target home price, gross monthly income, and any existing monthly debt.
- 2
Uncheck any checklist item that doesn't currently apply to you — all four start checked.
- 3
Read the verdict banner first, then check "What's missing" below it if anything needs attention.
How the math works
The amortization uses the standard formula at a fixed 20% downpayment, 20-year term, and a standard mid-tier rate. The DTI then adds your existing debt on top:
Total DTI = (Existing Debt + Estimated Amortization) ÷ Gross Income × 100
This is the wider "total debt against income" check — different from the narrower "this loan's own payment against income" ratio the Housing Loan Calculator shows. Both matter; this one captures the effect of any other debts you're already carrying.
What this assumes
- A fixed 20% downpayment, 20-year term, and mid-tier rate — not necessarily your real plan.
- A 40% total-DTI ceiling as the pass/fail line — a reasonable estimate, not an official published Pag-IBIG number.
- The checklist items you leave checked are actually true for your situation.
What this doesn't check
- Credit history, employment stability, or property appraisal — real factors in actual approval this checker can't see.
- Your specific downpayment amount, term, or fee costs — use the Housing Planner for a plan matched to your real numbers.
- A pass here is a rough green light to apply, not a pre-approval or guarantee.
Want the full picture?
Run the full DTI analysis, required cash breakdown, and a readiness score.
Frequently asked
What counts as a passing DTI for eligibility?
This checker estimates your total debt-to-income — existing monthly debts plus the new loan's amortization, against your gross income — and flags anything above roughly 40% as a concern. That's a different, wider figure than the loan's own amortization-to-income ratio (Pag-IBIG's tighter ~35% guideline for the loan payment alone) — see the Housing Loan Calculator for that narrower check.
I'm missing one checklist item — am I automatically disqualified?
Not necessarily. Some requirements (like the 24-month contribution history) can sometimes be met with a lump-sum payment to bridge the gap — check directly with a Pag-IBIG branch for your specific situation.
What if my DTI is fine but the checklist has gaps?
The verdict banner treats both as equally important — a passing DTI doesn't override a missing eligibility item. Work through the checklist gaps listed below the banner; those tend to be simpler, faster fixes than restructuring your finances.
What if I want a more precise amortization estimate?
This checker assumes an illustrative 20% downpayment, 20-year term, and a standard mid-tier rate to keep the eligibility check simple. If you already know your actual downpayment, term, and preferred rate, use the Housing Loan Calculator or Housing Planner instead for a number that matches your real plan.
What if my income comes from more than one source?
Enter your combined gross monthly income from all documentable sources — Pag-IBIG generally accepts combined income where properly documented (COE, ITR, or payslips for each source). This checker doesn't validate documentation itself, only the resulting numbers.
What if I add a co-borrower?
A qualified co-borrower's income can increase the combined income this checker uses, which typically improves your DTI. Add both incomes together in the income field to approximate that scenario — this tool doesn't model co-borrowers separately.
Pag-IBIG Fund Guide is an independent, unofficial resource — not affiliated with, endorsed by, or connected to Pag-IBIG Fund or the Philippine government. Figures above are illustrative estimates based on the inputs you provide, not a guarantee or an official Pag-IBIG computation.