home-affordability-estimator

R, Ricky •
Home Affordability Estimator Philippines 2026 | Pag-IBIG + Income Calculator

🏠 Home Affordability Estimator

How much house can you afford in the Philippines? Based on your income, debt, and Pag-IBIG loan eligibility

Pag-IBIG Housing Loan + Income Based
🎯

Know Your Real Budget Before House Hunting

Most Filipinos start looking at properties first, then realize they can't afford them. This calculator flips that — start with your numbers, then find the right home. Includes Pag-IBIG loan limits, debt-to-income ratio, and location-based price estimates.

💰 Your Financial Profile
Credit cards, car loan, personal loans, existing Pag-IBIG loans. Enter 0 if none.
Typical down payment is 10-20% of property price. Pag-IBIG can finance up to 100% for socialized housing.
24 months
You need at least 24 months to qualify for a housing loan. More contributions = higher loanable amount.
📍 Location & Property
AHP is for socialized housing (up to ₱750K loan). Regular rates apply to standard housing loans.
📊 Your Home Affordability Results
✅
You Can Afford a Home!
Based on your income and debt, here's what you can realistically afford.
Max Home Price
₱0
Including down payment
Pag-IBIG Loan
₱0
Max: ₱6M
Monthly Payment
₱0
0% of income
Est. Property Size
0 sqm
Metro Manila
🔍 Detailed Breakdown

💰 Income Analysis

Monthly Gross Income ₱0
Existing Debt Payments ₱0
Available for Housing ₱0
Max Monthly Amortization ₱0

🏠 Loan Breakdown

Property Price ₱0
Down Payment ₱0
Pag-IBIG Loan ₱0
Monthly Amortization ₱0
Total Interest (Life of Loan) ₱0
📊 Debt-to-Income (DTI) Ratio
0% 20% (Safe) 35% (Limit) 40% (Risky) 50%+ (Danger)
30%
Safe (≤20%)
Caution (20–35%)
Risky (>35%)

🎯 Recommended Property Scenarios

Conservative (Safe)
₱0
20% DTI limit
0 sqm
Moderate (Standard)
₱0
30% DTI limit
0 sqm
Aggressive (Max)
₱0
35% DTI limit
0 sqm

✅ Pag-IBIG Housing Loan Requirements

  • 24+ months of contributions ✓
  • Not over 65 at loan maturity ✓
  • No existing Pag-IBIG loan in default ✓
  • Pass credit check / background check ✓
  • Income documents (COE, ITR, payslips) ✓
  • Valid IDs (2 government-issued) ✓
  • Property documents / CTS ✓
  • Appraisal by Pag-IBIG ✓

📋 Tips to Improve Affordability

  • Pay off credit card debt Lowers DTI
  • Increase down payment Smaller loan
  • Apply with co-borrower Higher limit
  • Choose longer loan term Lower monthly
  • Consider AHP (socialized) 3% rate
  • Look outside Metro Manila Lower prices
  • Build Pag-IBIG savings (MP2) Higher TAV
  • Wait for salary increase Patience

🚀 Ready to Find Your Home?

Use these numbers as your budget guide. Talk to a Pag-IBIG branch or a licensed broker to explore properties in your price range. Remember: the best home is one you can comfortably afford.

Calculate Exact Monthly Amortization → Apply at Pag-IBIG
⚠️ Disclaimer This estimator provides approximate figures based on standard Pag-IBIG Fund guidelines and typical property prices in Philippine locations. Actual loan approval, interest rates, and property prices depend on many factors including Pag-IBIG's credit evaluation, property appraisal, market conditions, and location-specific pricing. The debt-to-income ratio recommendations follow general financial planning guidelines. Please consult with Pag-IBIG Fund directly and a licensed real estate professional before making any property purchase decisions. Visit www.pagibigfund.gov.ph for official loan application. This is an independent educational tool not affiliated with Pag-IBIG Fund.