🏠 Pag-IBIG Housing Loan Calculator
Estimate your monthly amortization, total interest, and check affordability
Updated for 2026 Rates📋 Loan Details
💰 Your Income
Used to check if the loan is affordable (max 35% of income)
Credit cards, car loans, personal loans, etc.
💡 Tip: Pag-IBIG requires that your monthly amortization does not exceed 35% of your gross monthly income. If you have existing debts, your total debt-to-income ratio should ideally be below 40%.
📊 Loan Summary
Monthly Amortization
₱0.00
Total Interest
₱0.00
Total Payment
₱0.00
Income Ratio
0%
📅 View Amortization Schedule (First 5 Years)
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| Year | Principal Paid | Interest Paid | Remaining Balance |
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✅ Eligibility Requirements
- 24+ months contributions ✓
- Not 65+ at loan maturity ✓
- No outstanding Pag-IBIG loan ✓
- Pass credit check ✓
- Income requirement met ✓
📋 Required Documents
- Membership Status Verification
- Valid IDs (2 government-issued)
- Income documents (COE, ITR, payslips)
- Marriage certificate (if applicable)
- Property documents / CTS
🚀 Ready to Apply for a Pag-IBIG Housing Loan?
Check your eligibility, gather your documents, and start your home ownership journey today.
Visit Official Pag-IBIG Website Print Results
⚠️ Disclaimer
This calculator provides estimates only. Actual loan terms, interest rates, and approval decisions are determined by the Home Development Mutual Fund (Pag-IBIG Fund). Rates shown are based on 2026 published rates and may change. Please visit www.pagibigfund.gov.ph for official and updated information. This is an independent educational tool not affiliated with Pag-IBIG Fund.
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