Pag-IBIG Calamity Loan Calculator
For members affected by a declared disaster — lower rate, faster access.
Repayment term
📌 Interest: 5.95% p.a. (diminishing balance)
📌 Max amount: 90% of TAV
📌 Apply within 90 days of declaration
Estimated loanable amount
₱72,000
Based on 90% of TAV
Est. Monthly Payment
₱3,189
Total Interest
₱4,547
What this calculates
This estimates your Calamity Loan loanable amount from your TAV, plus the monthly payment and total interest at Pag-IBIG's lower disaster-relief rate — the same amortization math as the MPL Calculator, just a different rate and eligibility gate.
How to use it
- 1
Enter your TAV — check the exact figure via Virtual Pag-IBIG rather than guessing.
- 2
Confirm the disaster-declared-area checkbox reflects your actual situation.
- 3
Pick a repayment term and read the loanable amount, monthly payment, and total interest below.
How the math works
Identical structure to the MPL Calculator — loanable amount first, then standard diminishing-balance amortization on that amount:
Loanable Amount = TAV × 90%
Monthly Payment = (P × r) ÷ (1 − (1 + r)⁻ⁿ)
where P is the loanable amount, r is 5.95% ÷ 12 (the monthly rate), and n is your chosen term in months. The only difference from the MPL formula is the lower 5.95% disaster-relief rate.
What this assumes
- Zero existing MPL, Calamity Loan, or HELPs balance — a real outstanding balance reduces what you can actually borrow.
- The full 90% ceiling on TAV, and the current 5.95% p.a. rate — both can change by circular.
- You're applying within the 90-day window of an actual declared disaster — this checkbox is self-reported, not verified.
What this doesn't check
- Whether an actual state of calamity is currently declared for your area — confirm with your LGU or Pag-IBIG branch.
- Your actual TAV or existing loan balances — this trusts whatever number you enter.
- Approval itself — meeting the eligibility requirements above is necessary but not a guarantee.
Frequently asked
Who can apply for a Calamity Loan?
Pag-IBIG members whose residence or workplace is in an area with an official disaster declaration by the LGU or the national government, with at least 12 months of Regular Savings contributions, applying within 90 days of that declaration.
How is the loanable amount determined?
Up to 90% of your Total Accumulated Value (TAV) — the same basis as the MPL, just at a lower disaster-relief interest rate. There's no separate salary-based calculation.
Can I get a Calamity Loan if I already have an MPL?
Generally yes, provided neither account is in default — but if you have an outstanding MPL, Calamity Loan, or HELPs balance, it reduces the room available under your 90%-of-TAV ceiling, since your total exposure against TAV is what's capped.
What if my area gets declared under a state of calamity after I already applied for an MPL?
Nothing retroactive — the MPL you already have stays under MPL terms. You could still apply separately for a Calamity Loan if you're otherwise eligible, but your combined loanable amount across both is capped by the shared TAV ceiling, not doubled.
What if the 90-day window has already passed?
Then a Calamity Loan generally isn't available for that specific declaration — the MPL becomes the applicable option instead, at its own (higher) standard rate. There's no extension or exception built into this calculator or, generally, into the program itself.
What if I'm not sure whether my area has an official declaration?
Check with your local LGU or Pag-IBIG branch directly — this calculator takes your word for it via the checkbox above and can't verify an actual declaration. Applying without a real declaration in effect would simply be declined at the branch or online.
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.